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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $49,270 |
Filed as: SIDE BY SIDE FINANCIALS Service code 13 | Contract Administrator | $7,328 |
ORENDA RETIREMENT, LLC1 year Filed as: ORENDA RETIREMENT LLC Service code 13 · EIN 36-4877979 | Contract Administrator | $6,961 |
Filed as: PARK AVENUE SECURITIES Service code 49 · EIN 13-4023176 | Other Services | $6,691 |
Filed as: SIDE BY SIDE FINANCIALS INC. Service code 13 · EIN 27-3232902 | Contract Administrator | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $18,282 | $68,110-73.2% | $155,556-88.2% | $99,313-81.6% |
| Participation rate | 2.4% | 67.8%-65.4pp | 78.2%-75.8pp | 71.7%-69.3pp |
| Annual return | 28.10% | 16.16%+11.9pp | 64.84%-36.7pp | 17.67%+10.4pp |
| Employer contribution / active EE | $14 | $2,291-99.4% | $4,675-99.7% | $3,264-99.6% |
| Participant deferral / active EE | $84 | $3,865-97.8% | $5,631-98.5% | $5,346-98.4% |
| Admin fee / account holder | $319 | $94+239.8% | $15,885-98.0% | $109+192.6% |