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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $76,376 |
Filed as: NORTHWEST CAPITAL MANAGEMENT INC. Service code 27 · EIN 93-1242462 | Advisory (Plan) | $21,981 |
RBC WEALTH MANAGEMENT6+ years Filed as: RBC CAPITAL MARKETS LLC Service code 49 · EIN 41-1416330 | Other Services | $3,319 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $10,448 | $56,095-81.4% | $178,499-94.1% | $90,274-88.4% |
| Participation rate | 32.1% | 65.6%-33.5pp | 81.9%-49.9pp | 73.4%-41.3pp |
| Annual return | 15.63% | 28.81%-13.2pp | 151.10%-135.5pp | 53.97%-38.3pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $5,011-100.0% | $2,523-100.0% |
| Participant deferral / active EE | $871 | $2,669-67.4% | $5,202-83.3% | $4,231-79.4% |
| Admin fee / account holder | $36 | $101-63.8% | $13,986-99.7% | $114-68.1% |