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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $59,090 |
Filed as: RAYMOND JAMES FIN SVCS ADVISORS Service code 27 · EIN 59-2937883 | Advisory (Plan) | $23,751 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,561 | $45,119+9.8% | $85,126-41.8% | $74,429-33.4% |
| Participation rate | 84.3% | 49.4%+34.9pp | 67.5%+16.8pp | 67.2%+17.1pp |
| Annual return | 16.28% | 26.28%-10.0pp | 66.63%-50.4pp | 1368.38%-1352.1pp |
| Employer contribution / active EE | $1,968 | $1,460+34.8% | $2,731-27.9% | $2,625-25.0% |
| Participant deferral / active EE | $3,512 | $2,738+28.3% | $4,523-22.4% | $4,348-19.2% |
| Admin fee / account holder | $492 | $2,214-77.8% | $6,160-92.0% | $1,944-74.7% |