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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $34,788 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 49 · EIN 51-0116113 | Other Services | $7,226 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $28,826 | $76,107-62.1% | $96,576-70.2% | $71,495-59.7% |
| Participation rate | 73.0% | 74.4%-1.4pp | 76.0%-3.0pp | 67.9%+5.1pp |
| Annual return | 20.64% | 22.81%-2.2pp | 25.87%-5.2pp | 28.85%-8.2pp |
| Employer contribution / active EE | $1,108 | $2,247-50.7% | $2,965-62.6% | $2,589-57.2% |
| Participant deferral / active EE | $1,946 | $4,218-53.9% | $4,851-59.9% | $4,291-54.7% |
| Admin fee / account holder | $240 | $2,708-91.1% | $8,253-97.1% | $1,588-84.9% |