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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PRINCIPA LIFE INSURANCE COMPANY Service code 13 · EIN 42-0127290 | Contract Administrator | $123,435 |
Filed as: COMMONWEALTH FINANCIAL SERVICES Service code 27 | Advisory (Plan) | $67,921 |
LOREN D. STARK COMPANY5 years Service code 49 · EIN 74-0537058 10101 SOUTHWEST FREEWAY · HOUSTON, TN 77074 | Other Services | $67,921 |
Service code 27 · EIN 04-2675571 | Advisory (Plan) | $0 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $130,151 | $93,351+39.4% | $62,929+106.8% | $79,634+63.4% |
| Participation rate | 46.0% | 74.6%-28.7pp | 73.1%-27.2pp | 62.5%-16.5pp |
| Annual return | 14.29% | 14.37%-0.1pp | 1063.93%-1049.6pp | 36.46%-22.2pp |
| Employer contribution / active EE | $1,793 | $3,135-42.8% | $2,505-28.4% | $2,529-29.1% |
| Participant deferral / active EE | $3,149 | $3,921-19.7% | $3,888-19.0% | $3,835-17.9% |
| Admin fee / account holder | $313 | $229+36.7% | $5,065-93.8% | $1,002-68.7% |