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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $85,520 |
LPL FINANCIAL2 years Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $28,779 |
Filed as: THE RETIREMENT ADVTANGE INC. Service code 13 · EIN 39-1816008 | Contract Administrator | $19,400 |
Service code 13 | Contract Administrator | $4,573 |
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).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $66,123 | $73,102-9.5% | $123,552-46.5% | $56,287+17.5% |
| Participation rate | 56.7% | 74.3%-17.6pp | 82.3%-25.6pp | 69.9%-13.2pp |
| Annual return | -4.26% | 3.01%-7.3pp | 119.20%-123.5pp | -9.96%+5.7pp |
| Employer contribution / active EE | $1,828 | $2,977-38.6% | $4,628-60.5% | $2,111-13.4% |
| Participant deferral / active EE | $5,466 | $5,423+0.8% | $6,426-14.9% | $3,350+63.2% |
| Admin fee / account holder | $567 | $554+2.4% | $9,285-93.9% | $521+8.9% |