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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $553,299 |
MERCER1 year Filed as: MERCER INVESTMENT Service code 51 · EIN 30-0282430 | Investment Mgmt Fees | $58,727 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $29,055 | $38,509-24.6% | $90,657-68.0% | $73,367-60.4% |
| Participation rate | 45.6% | 45.9%-0.4pp | 74.0%-28.5pp | 69.5%-23.9pp |
| Annual return | 178.40% | 2.07%+176.3pp | 1.89%+176.5pp | 173.45%+5.0pp |
| Employer contribution / active EE | $268 | $754-64.4% | $2,532-89.4% | $2,499-89.3% |
| Participant deferral / active EE | $487 | $1,495-67.4% | $3,424-85.8% | $4,033-87.9% |
| Admin fee / account holder | $36 | $48-24.9% | $4,994-99.3% | $68-47.0% |