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| Provider | Service type | Compensation |
|---|---|---|
TPG FINANCIAL ADVISORS, LLC6 years Service code 27 · EIN 20-5282002 | Advisory (Plan) | $33,964 |
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $33,707 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,890 | $79,223-14.3% | $102,460-33.7% | $74,478-8.8% |
| Participation rate | 60.5% | 74.8%-14.2pp | 76.5%-16.0pp | 67.2%-6.7pp |
| Annual return | 20.39% | 54.98%-34.6pp | 29.47%-9.1pp | 1370.56%-1350.2pp |
| Employer contribution / active EE | $1,855 | $2,363-21.5% | $3,025-38.7% | $2,626-29.4% |
| Participant deferral / active EE | $4,475 | $4,417+1.3% | $5,056-11.5% | $4,350+2.9% |
| Admin fee / account holder | $403 | $2,003-79.9% | $9,460-95.7% | $1,946-79.3% |