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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $184,417 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 27 · EIN 26-4310632 | Advisory (Plan) | $54,000 |
CARON & BLETZER, PLLC4+ years Filed as: CARON & BLETZER Service code 10 · EIN 04-3499945 | Accounting | $8,350 |
Filed as: NATIONAL FINANCIAL SERVICES, LLC Service code 33 · EIN 04-3532603 | Direct payment from the plan; Account... | $7,087 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $306,275 | $74,347+312.0% | $93,621+227.1% | $67,584+353.2% |
| Participation rate | 91.1% | 80.6%+10.5pp | 75.8%+15.2pp | 71.3%+19.8pp |
| Annual return | 2.20% | 28.07%-25.9pp | 32.76%-30.6pp | 378.59%-376.4pp |
| Employer contribution / active EE | $7,129 | $2,583+176.0% | $2,719+162.2% | $2,148+231.9% |
| Participant deferral / active EE | $12,543 | $4,060+208.9% | $4,070+208.2% | $3,540+254.4% |
| Admin fee / account holder | $419 | $123+241.7% | $7,890-94.7% | $142+194.6% |