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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $31,763 |
Filed as: PRINCIPAL SECURITIES Service code 27 · EIN 42-0941553 | Advisory (Plan) | $11,561 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,770 | $62,715-38.2% | $104,301-62.8% | $66,938-42.1% |
| Participation rate | 75.5% | 59.6%+15.9pp | 73.3%+2.2pp | 69.8%+5.7pp |
| Annual return | -19.40% | -14.70%-4.7pp | 24.61%-44.0pp | 1.58%-21.0pp |
| Employer contribution / active EE | $2,725 | $1,976+37.9% | $3,373-19.2% | $2,545+7.1% |
| Participant deferral / active EE | $3,333 | $2,852+16.9% | $4,626-28.0% | $4,238-21.4% |
| Admin fee / account holder | $349 | $657-46.8% | $7,340-95.2% | $594-41.2% |