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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $74,691 |
Filed as: RAYMOND JAMES & ASSC Service code 27 · EIN 59-1237041 | Advisory (Plan) | $32,973 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Employer 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $80,969 | $64,909+24.7% | $82,312-1.6% | $62,293+30.0% |
| Participation rate | 89.9% | 74.9%+15.1pp | 76.9%+13.0pp | 69.5%+20.4pp |
| Annual return | 16.00% | 21.18%-5.2pp | 25.88%-9.9pp | 28.90%-12.9pp |
| Employer contribution / active EE | $0 | $1,676-100.0% | $2,428-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $5,114 | $3,103+64.8% | $3,706+38.0% | $3,169+61.4% |
| Admin fee / account holder | $388 | $440-11.8% | $5,608-93.1% | $479-19.2% |