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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $85,071 |
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Filed as: MERRILL LYNCH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $80,000 |
RBT CPAS, LLP8 years Filed as: RBT CPAS Service code 10 · EIN 14-1604297 | Accounting | $16,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $83,749 | $53,204+57.4% | $155,556-46.2% | $200,096-58.1% |
| Participation rate | 64.4% | 64.1%+0.3pp | 78.2%-13.8pp | 72.0%-7.6pp |
| Annual return | 10.06% | 41.02%-31.0pp | 64.84%-54.8pp | 34.26%-24.2pp |
| Employer contribution / active EE | $1,221 | $1,850-34.0% | $4,675-73.9% | $3,038-59.8% |
| Participant deferral / active EE | $5,038 | $3,163+59.3% | $5,631-10.5% | $5,090-1.0% |
| Admin fee / account holder | $19 | $186-89.9% | $15,885-99.9% | $269-93.0% |