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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $34,984 |
PARSONS CAPITAL MGMT LLC1 year Filed as: PARSONS CPA, PLLA Service code 10 | Accounting | $8,250 |
PARSONS CPA PLLC3 years Filed as: PARSONS CPA, PLLC Service code 10 · EIN 27-4214364 | Accounting | $0 |
SECURITIES AMERICA INC5+ years Filed as: SECURITIES AMERICA, INC. Service code 49 · EIN 11-2551174 | Other Services | $0 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $54,935 | $38,365+43.2% | $84,628-35.1% | $65,185-15.7% |
| Participation rate | 28.3% | 55.7%-27.4pp | 68.2%-40.0pp | 70.2%-41.9pp |
| Annual return | 24.01% | 32.00%-8.0pp | 258.80%-234.8pp | 29.38%-5.4pp |
| Employer contribution / active EE | $4 | $1,258-99.7% | $2,653-99.8% | $2,177-99.8% |
| Participant deferral / active EE | $4,390 | $2,278+92.7% | $3,900+12.6% | $3,514+24.9% |
| Admin fee / account holder | $327 | $451-27.6% | $4,914-93.3% | $847-61.4% |