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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $88,804 |
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $26,642 |
THE RETIREMENT ADVANTAGE INC2 years Service code 13 · EIN 39-1816008 | Contract Administrator | $15,448 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,451 | $89,652-8.0% | $141,177-41.6% | $65,185+26.5% |
| Participation rate | 51.3% | 74.7%-23.4pp | 82.5%-31.2pp | 70.2%-18.9pp |
| Annual return | 22.66% | 32.79%-10.1pp | 71.40%-48.7pp | 29.38%-6.7pp |
| Employer contribution / active EE | $1,406 | $3,065-54.1% | $4,736-70.3% | $2,177-35.4% |
| Participant deferral / active EE | $4,454 | $5,691-21.7% | $6,710-33.6% | $3,514+26.7% |
| Admin fee / account holder | $515 | $569-9.4% | $10,263-95.0% | $847-39.2% |