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| Provider | Service type | Compensation |
|---|---|---|
Filed as: OLD NATIONAL Service code 27 · EIN 35-1729164 | Advisory (Plan) | $7,138 |
Filed as: CPI QUALIFIED PLAN CONSULTANTS Service code 13 · EIN 48-1205033 | Contract Administrator | $5,406 |
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,074 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $74,836 | $70,917+5.5% | $98,916-24.3% | $73,493+1.8% |
| Participation rate | 28.4% | 73.8%-45.5pp | 76.0%-47.7pp | 70.7%-42.3pp |
| Annual return | 12.70% | 34.18%-21.5pp | 196.45%-183.7pp | 28.51%-15.8pp |
| Employer contribution / active EE | $862 | $2,037-57.7% | $2,689-68.0% | $2,270-62.0% |
| Participant deferral / active EE | $667 | $3,501-81.0% | $4,245-84.3% | $3,740-82.2% |
| Admin fee / account holder | $308 | $535-42.4% | $6,642-95.4% | $513-40.0% |