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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $38,180 |
MARINER LLC3+ years Filed as: MARINER RETIREMENT ADVISORS LLC Service code 27 · EIN 61-1740806 | Advisory (Plan) | $33,075 |
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 | $44,703 | $46,173-3.2% | $170,435-73.8% | $69,631-35.8% |
| Participation rate | 35.3% | 63.9%-28.6pp | 83.6%-48.3pp | 70.7%-35.4pp |
| Annual return | 10.38% | 21.62%-11.2pp | 205.94%-195.6pp | 27571.02%-27560.6pp |
| Employer contribution / active EE | $0 | $1,610-100.0% | $5,432-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $1,649 | $2,080-20.7% | $4,939-66.6% | $3,224-48.8% |
| Admin fee / account holder | $304 | $116+162.6% | $13,881-97.8% | $110+175.7% |