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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $44,520 |
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 49 · EIN 51-0116113 | Other Services | $9,614 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $35,772 | $79,223-54.8% | $102,460-65.1% | $74,478-52.0% |
| Participation rate | 78.8% | 74.8%+4.0pp | 76.5%+2.2pp | 67.2%+11.5pp |
| Annual return | 14.56% | 54.98%-40.4pp | 29.47%-14.9pp | 1370.56%-1356.0pp |
| Employer contribution / active EE | $1,371 | $2,363-42.0% | $3,025-54.7% | $2,626-47.8% |
| Participant deferral / active EE | $2,770 | $4,417-37.3% | $5,056-45.2% | $4,350-36.3% |
| Admin fee / account holder | $314 | $2,003-84.3% | $9,460-96.7% | $1,946-83.9% |