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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $9,603 |
MFA ASSET MANAGEMENT4+ years Service code 27 · EIN 04-3540481 | Advisory (Plan) | $9,391 |
Filed as: WALDRON H RAND PC Service code 10 · EIN 04-2759781 | Accounting | $6,500 |
NFP RETIREMENT INC1 year Service code 27 · EIN 33-0905143 | Advisory (Plan) | $3,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $44,004 | $33,067+33.1% | $76,518-42.5% | $56,289-21.8% |
| Participation rate | 23.5% | 55.4%-31.9pp | 68.0%-44.5pp | 69.9%-46.3pp |
| Annual return | -10.34% | 2.72%-13.1pp | -0.27%-10.1pp | -9.96%-0.4pp |
| Employer contribution / active EE | $313 | $1,200-74.0% | $2,647-88.2% | $2,111-85.2% |
| Participant deferral / active EE | $1,753 | $2,240-21.7% | $3,836-54.3% | $3,350-47.7% |
| Admin fee / account holder | $890 | $537+65.8% | $4,849-81.6% | $521+70.9% |