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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $20,406 |
BROOKLIGHT PLACE SECURITIES INC2+ years Service code 49 · EIN 36-3317130 | Other Services | $6,530 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,089 | $75,183-75.9% | $123,894-85.4% | $55,167-67.2% |
| Participation rate | 53.2% | 72.8%-19.6pp | 81.4%-28.2pp | 69.0%-15.8pp |
| Annual return | 7.48% | 19.01%-11.5pp | 47.52%-40.0pp | 169.23%-161.8pp |
| Employer contribution / active EE | $1,209 | $2,823-57.2% | $4,617-73.8% | $1,963-38.4% |
| Participant deferral / active EE | $1,841 | $5,084-63.8% | $5,984-69.2% | $3,054-39.7% |
| Admin fee / account holder | $171 | $663-74.1% | $8,357-97.9% | $504-66.0% |