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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY11+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $34,599 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY GLOBAL Service code 27 · EIN 20-8764829 | Advisory (Plan) | $15,585 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,781 | $45,343+12.0% | $150,298-66.2% | $67,986-25.3% |
| Participation rate | 49.5% | 51.9%-2.4pp | 77.8%-28.3pp | 57.2%-7.7pp |
| Annual return | 10.98% | 33.28%-22.3pp | 62.79%-51.8pp | 31.67%-20.7pp |
| Employer contribution / active EE | $278 | $1,462-81.0% | $4,154-93.3% | $2,019-86.2% |
| Participant deferral / active EE | $2,063 | $2,055+0.4% | $5,453-62.2% | $3,358-38.6% |
| Admin fee / account holder | $344 | $2,250-84.7% | $14,116-97.6% | $3,203-89.3% |