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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $20,091 |
CETERA ADVISOR NETWORKS LLC6+ years Service code 27 · EIN 95-3845382 | Advisory (Plan) | $9,994 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
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 | $41,636 | $52,293-20.4% | $178,499-76.7% | $73,412-43.3% |
| Participation rate | 51.2% | 65.3%-14.1pp | 81.9%-30.7pp | 72.2%-21.0pp |
| Annual return | 16.32% | 34.75%-18.4pp | 151.10%-134.8pp | 59.30%-43.0pp |
| Employer contribution / active EE | $168 | $1,735-90.3% | $5,011-96.7% | $2,234-92.5% |
| Participant deferral / active EE | $2,134 | $2,332-8.5% | $5,202-59.0% | $3,806-43.9% |
| Admin fee / account holder | $98 | $127-22.7% | $13,986-99.3% | $158-37.6% |