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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $54,942 |
Filed as: RAYMOND JAMES FIN SVCS ADVISORS Service code 27 · EIN 59-2937883 | Advisory (Plan) | $28,469 |
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 | $85,055 | $91,474-7.0% | $135,982-37.5% | $71,529+18.9% |
| Participation rate | 78.9% | 75.7%+3.2pp | 81.9%-3.0pp | 67.9%+11.0pp |
| Annual return | 19.97% | 29.89%-9.9pp | 68.32%-48.4pp | 28.97%-9.0pp |
| Employer contribution / active EE | $2,076 | $3,705-44.0% | $4,859-57.3% | $2,590-19.8% |
| Participant deferral / active EE | $6,971 | $7,095-1.7% | $7,760-10.2% | $4,291+62.4% |
| Admin fee / account holder | $504 | $1,267-60.2% | $10,767-95.3% | $1,588-68.3% |