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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $48,630 |
CBIZ RETIREMENT PLAN SERVICES2+ years Filed as: CBIZ FINANCIAL SOLUTIONS INC Service code 27 · EIN 52-1396995 | Advisory (Plan) | $20,048 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $287,592 | $51,244+461.2% | $80,977+255.2% | $55,167+421.3% |
| Participation rate | 2.9% | 71.7%-68.8pp | 75.8%-72.9pp | 69.0%-66.1pp |
| Annual return | 6.56% | 17.39%-10.8pp | 17.11%-10.5pp | 169.23%-162.7pp |
| Employer contribution / active EE | $3,139 | $1,770+77.4% | $3,715-15.5% | $1,963+60.0% |
| Participant deferral / active EE | $7,000 | $4,418+58.5% | $5,696+22.9% | $3,054+129.2% |
| Admin fee / account holder | $784 | $398+97.0% | $5,517-85.8% | $504+55.7% |