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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $11,892 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $1,681 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $21,096 | $66,601-68.3% | $92,909-77.3% | $67,579-68.8% |
| Participation rate | 45.0% | 72.5%-27.5pp | 76.0%-31.0pp | 71.3%-26.3pp |
| Annual return | 20.72% | 92.58%-71.9pp | 109.44%-88.7pp | 378.56%-357.8pp |
| Employer contribution / active EE | $646 | $2,775-76.7% | $3,653-82.3% | $2,148-69.9% |
| Participant deferral / active EE | $1,325 | $3,157-58.0% | $4,238-68.7% | $3,539-62.6% |
| Admin fee / account holder | $91 | $199-54.4% | $5,795-98.4% | $142-36.2% |