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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP1 year Filed as: USI ADVISORS, INC Service code 27 · EIN 69-1397347 | Advisory (Plan) | $30,000 |
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $23,171 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $39,337 | $27,322+44.0% | $74,722-47.4% | $82,204-52.1% |
| Participation rate | 35.3% | 31.7%+3.6pp | 54.5%-19.2pp | 73.4%-38.1pp |
| Annual return | 22.82% | 28.26%-5.4pp | 753.11%-730.3pp | 26.31%-3.5pp |
| Employer contribution / active EE | $278 | $324-14.2% | $1,084-74.4% | $2,707-89.7% |
| Participant deferral / active EE | $986 | $909+8.5% | $1,963-49.8% | $4,246-76.8% |
| Admin fee / account holder | $11 | $86-87.4% | $3,335-99.7% | $76-85.6% |