Filed April 25, 2025
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| Provider | Service type | Compensation |
|---|---|---|
RISK PARADIGM GROUP, LLC2 years Service code 27 · EIN 45-2703234 | Advisory (Plan) | $8,954 |
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $8,444 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,322 | $47,135-35.7% | $149,717-79.7% | $74,440-59.3% |
| Participation rate | 16.6% | 63.4%-46.8pp | 78.8%-62.2pp | 70.7%-54.1pp |
| Annual return | 10.41% | 22.75%-12.3pp | 134.41%-124.0pp | 34.37%-24.0pp |
| Employer contribution / active EE | $0 | $1,906-100.0% | $4,820-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $1,060 | $2,728-61.1% | $5,682-81.3% | $4,529-76.6% |
| Admin fee / account holder | $87 | $343-74.6% | $13,213-99.3% | $348-75.0% |