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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $36,825 |
Filed as: MERRILL LYNCH Service code 17 · EIN 13-5674085 | Pension Consulting | $17,900 |
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).
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 | $64,164 | $52,279+22.7% | $89,414-28.2% | $79,852-19.6% |
| Participation rate | 75.7% | 57.5%+18.1pp | 68.0%+7.7pp | 69.6%+6.0pp |
| Annual return | 18.03% | 22.16%-4.1pp | 245.50%-227.5pp | 31.72%-13.7pp |
| Employer contribution / active EE | $4,736 | $1,572+201.4% | $2,586+83.1% | $2,471+91.7% |
| Participant deferral / active EE | $5,791 | $2,740+111.3% | $3,890+48.9% | $3,740+54.8% |
| Admin fee / account holder | $771 | $3,356-77.0% | $4,883-84.2% | $5,306-85.5% |