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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $88,838 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $37,132 |
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 | $68,714 | $59,191+16.1% | $76,767-10.5% | $56,289+22.1% |
| Participation rate | 95.2% | 75.2%+20.0pp | 77.0%+18.2pp | 69.9%+25.4pp |
| Annual return | -4.77% | 6.62%-11.4pp | 2.43%-7.2pp | -9.96%+5.2pp |
| Employer contribution / active EE | $50 | $1,759-97.1% | $2,485-98.0% | $2,111-97.6% |
| Participant deferral / active EE | $5,728 | $3,255+76.0% | $3,852+48.7% | $3,350+71.0% |
| Admin fee / account holder | $369 | $489-24.6% | $6,675-94.5% | $521-29.2% |