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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $51,699 |
MARINER LLC2+ years Filed as: MARINER RETIREMENT ADVISORS LLC Service code 27 · EIN 61-1740806 | Advisory (Plan) | $30,717 |
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).
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 | $38,029 | $36,916+3.0% | $156,551-75.7% | $57,658-34.0% |
| Participation rate | 36.7% | 63.4%-26.7pp | 84.0%-47.3pp | 70.2%-33.5pp |
| Annual return | 4.35% | 12.38%-8.0pp | 32.23%-27.9pp | 5.13%-0.8pp |
| Employer contribution / active EE | $0 | $1,571-100.0% | $5,501-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $2,019 | $1,926+4.8% | $4,871-58.6% | $3,061-34.0% |
| Admin fee / account holder | $336 | $82+307.8% | $13,028-97.4% | $95+255.8% |