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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $54,918 |
AMERICAN FUNDS1 year Filed as: CAPITAL ASSET ADVISORY SERVICES Service code 27 · EIN 38-3470125 | Advisory (Plan) | $13,394 |
MORGAN STANLEY SMITH BARNEY7+ years Filed as: MORGAN STANLEY DW INC Service code 49 · EIN 94-1671384 | Other Services | $7,692 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,363 | $56,485-46.2% | $185,823-83.7% | $86,799-65.0% |
| Participation rate | 69.6% | 65.5%+4.1pp | 81.7%-12.1pp | 72.3%-2.7pp |
| Annual return | 19.61% | 118.04%-98.4pp | 122.05%-102.4pp | 97.91%-78.3pp |
| Employer contribution / active EE | $714 | $1,843-61.3% | $5,167-86.2% | $2,405-70.3% |
| Participant deferral / active EE | $1,330 | $2,553-47.9% | $5,568-76.1% | $4,131-67.8% |
| Admin fee / account holder | $224 | $150+49.9% | $16,237-98.6% | $170+32.2% |