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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $56,144 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $22,512 |
JULY BUSINESS SERVICES3 years Filed as: JULY BUSINESS SERVICES INC Service code 13 · EIN 74-2715820 | Contract Administrator | $8,471 |
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.)
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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,496 | $80,731-54.8% | $103,374-64.7% | $74,546-51.0% |
| Participation rate | 54.1% | 65.7%-11.5pp | 74.5%-20.4pp | 67.2%-13.1pp |
| Annual return | 12.67% | 27.56%-14.9pp | 24.89%-12.2pp | 1366.03%-1353.4pp |
| Employer contribution / active EE | $1,433 | $3,158-54.6% | $3,869-63.0% | $2,624-45.4% |
| Participant deferral / active EE | $2,242 | $3,860-41.9% | $5,058-55.7% | $4,347-48.4% |
| Admin fee / account holder | $492 | $2,369-79.2% | $8,394-94.1% | $1,944-74.7% |