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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $243,410 |
REGIONS BANK6 years Service code 27 · EIN 63-0371391 | Advisory (Plan) | $103,726 |
BAKER NEWMAN NOYES1 year Filed as: BAKER NEWMAN NOYES LLC Service code 10 · EIN 01-0494526 | Accounting | $20,700 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $147,888 | $58,644+152.2% | $178,505-17.2% | $200,096-26.1% |
| Participation rate | 64.1% | 65.5%-1.4pp | 77.1%-13.1pp | 72.0%-8.0pp |
| Annual return | 24.37% | 19.25%+5.1pp | 27.16%-2.8pp | 34.26%-9.9pp |
| Employer contribution / active EE | $3,158 | $1,801+75.3% | $3,955-20.1% | $3,038+4.0% |
| Participant deferral / active EE | $7,220 | $4,248+70.0% | $6,280+15.0% | $5,090+41.8% |
| Admin fee / account holder | $357 | $145+145.8% | $10,428-96.6% | $269+32.7% |