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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $42,160 |
SECURITIES AMERICA INC6+ years Filed as: SECURITIES AMERICA, INC. Service code 49 · EIN 11-2551174 | Other Services | $14,198 |
PARSONS CAPITAL MGMT LLC2 years Filed as: PARSONS CPA, PLLA Service code 10 | Accounting | $6,256 |
PARSONS CPA PLLC4 years Filed as: PARSONS CPA, PLLC Service code 10 · EIN 27-4214364 | Accounting | $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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $65,179 | $52,279+24.7% | $89,414-27.1% | $79,852-18.4% |
| Participation rate | 33.3% | 57.5%-24.2pp | 68.0%-34.7pp | 69.6%-36.3pp |
| Annual return | 8.68% | 22.16%-13.5pp | 245.50%-236.8pp | 31.72%-23.0pp |
| Employer contribution / active EE | $2 | $1,572-99.8% | $2,586-99.9% | $2,471-99.9% |
| Participant deferral / active EE | $21,477 | $2,740+683.7% | $3,890+452.1% | $3,740+474.2% |
| Admin fee / account holder | $449 | $3,356-86.6% | $4,883-90.8% | $5,306-91.5% |