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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $137,810 |
Filed as: AGGREGATE RETIREMENT Service code 13 · EIN 47-1910719 | Contract Administrator | $57,982 |
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $27,624 |
Service code 49 · EIN 13-3532742 | Other Services | $4,610 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,058 | $95,918-88.5% | $151,645-92.7% | $77,906-85.8% |
| Participation rate | 54.7% | 88.7%-34.0pp | 87.5%-32.8pp | 73.7%-19.0pp |
| Annual return | -14.87% | -5.50%-9.4pp | 3.34%-18.2pp | 12.16%-27.0pp |
| Employer contribution / active EE | $0 | $4,330-100.0% | $6,165-100.0% | $2,846-100.0% |
| Participant deferral / active EE | $461 | $7,508-93.9% | $8,363-94.5% | $4,805-90.4% |
| Admin fee / account holder | $144 | $93+54.2% | $11,614-98.8% | $133+8.5% |