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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $11,098 |
SIGMA FINANCIAL CORPORATION3 years Service code 49 · EIN 38-2472555 | Other Services | $8,123 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,617 | $63,768-44.1% | $98,483-63.8% | $79,391-55.1% |
| Participation rate | 50.0% | 69.9%-19.9pp | 73.3%-23.3pp | 70.7%-20.7pp |
| Annual return | 17.41% | 626.18%-608.8pp | 1494.38%-1477.0pp | 116.88%-99.5pp |
| Employer contribution / active EE | $578 | $2,558-77.4% | $2,961-80.5% | $2,428-76.2% |
| Participant deferral / active EE | $2,088 | $3,305-36.8% | $4,276-51.2% | $4,046-48.4% |
| Admin fee / account holder | $92 | $516-82.1% | $5,953-98.5% | $627-85.3% |