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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PRINCIPAL LIFE INS CO Service code 13 · EIN 42-0127290 | Contract Administrator | $37,483 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY INS SERVICES INC Service code 49 | Other Services | $22,084 |
Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 49 · EIN 51-0116113 | Other Services | $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.)
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 | $57,739 | $50,199+15.0% | $69,890-17.4% | $66,949-13.8% |
| Participation rate | 37.6% | 66.3%-28.8pp | 70.5%-32.9pp | 69.8%-32.3pp |
| Annual return | -19.48% | -13.85%-5.6pp | 190.84%-210.3pp | 1.57%-21.0pp |
| Employer contribution / active EE | $2,772 | $1,864+48.7% | $2,560+8.3% | $2,545+8.9% |
| Participant deferral / active EE | $2,599 | $3,112-16.5% | $3,848-32.5% | $4,239-38.7% |
| Admin fee / account holder | $439 | $600-26.8% | $6,267-93.0% | $594-26.1% |