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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $14,574 |
SIGMA FINANCIAL CORPORATION6 years Service code 49 · EIN 38-2472555 | Other Services | $9,792 |
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 | $38,346 | $60,393-36.5% | $81,820-53.1% | $74,429-48.5% |
| Participation rate | 50.5% | 62.9%-12.4pp | 72.4%-21.9pp | 67.2%-16.8pp |
| Annual return | 11.58% | 16.89%-5.3pp | 777.93%-766.4pp | 1368.38%-1356.8pp |
| Employer contribution / active EE | $666 | $2,626-74.6% | $2,915-77.2% | $2,625-74.6% |
| Participant deferral / active EE | $2,668 | $3,397-21.5% | $4,323-38.3% | $4,348-38.6% |
| Admin fee / account holder | $111 | $1,491-92.6% | $7,391-98.5% | $1,944-94.3% |