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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $181,708 |
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY Service code 27 · EIN 26-4310632 | Advisory (Plan) | $45,000 |
Filed as: FIDELITY GLOBAL BROKERAGE GROUP INC Service code 33 · EIN 04-3257666 | Recordkeeping fees; Direct payment fr... | $9,380 |
CARON & BLETZER, PLLC7+ years Filed as: CARON & BLETZER Service code 10 · EIN 04-3499945 | Accounting | $9,100 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $272,686 | $81,948+232.8% | $90,767+200.4% | $64,829+320.6% |
| Participation rate | 89.0% | 80.5%+8.5pp | 75.7%+13.3pp | 71.5%+17.5pp |
| Annual return | -17.41% | -12.53%-4.9pp | -12.16%-5.3pp | 32.85%-50.3pp |
| Employer contribution / active EE | $7,862 | $3,067+156.3% | $2,922+169.1% | $2,507+213.6% |
| Participant deferral / active EE | $13,118 | $4,844+170.8% | $4,565+187.4% | $4,312+204.2% |
| Admin fee / account holder | $344 | $157+118.7% | $8,445-95.9% | $188+82.9% |