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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $8,796 |
RAYMOND JAMES FINANCIAL SERVICES1+ years Filed as: RAYMOND JAMES FIN SVCS ADVISORS Service code 27 · EIN 59-2937883 | Advisory (Plan) | $7,135 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $36,841 | $48,364-23.8% | $71,796-48.7% | $62,881-41.4% |
| Participation rate | 42.7% | 60.6%-17.9pp | 69.1%-26.4pp | 69.3%-26.6pp |
| Annual return | 12.04% | 13.16%-1.1pp | 78.04%-66.0pp | 20.14%-8.1pp |
| Employer contribution / active EE | $90 | $1,042-91.3% | $1,924-95.3% | $2,281-96.0% |
| Participant deferral / active EE | $1,009 | $2,091-51.7% | $2,794-63.9% | $3,203-68.5% |
| Admin fee / account holder | $215 | $3,771-94.3% | $4,815-95.5% | $4,296-95.0% |