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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $83,579 |
STEPHENSON & CO., INC.5 years Service code 27 · EIN 81-1124741 | Advisory (Plan) | $26,097 |
WILSHIRE ASSOCIATES INCORPORATED7+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $115,399 | $77,670+48.6% | $109,163+5.7% | $79,393+45.4% |
| Participation rate | 91.7% | 67.8%+23.9pp | 75.9%+15.8pp | 70.7%+21.0pp |
| Annual return | 15.70% | 23.44%-7.7pp | 25.75%-10.1pp | 116.87%-101.2pp |
| Employer contribution / active EE | $161 | $2,798-94.3% | $3,723-95.7% | $2,428-93.4% |
| Participant deferral / active EE | $3,886 | $3,518+10.5% | $4,654-16.5% | $4,046-3.9% |
| Admin fee / account holder | $500 | $732-31.7% | $6,754-92.6% | $627-20.1% |