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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $88,734 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $35,772 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $403,144 | $65,378+516.6% | $87,103+362.8% | $65,186+518.4% |
| Participation rate | 0.0% | 75.3%-75.3pp | 76.9%-76.9pp | 70.2%-70.2pp |
| Annual return | 23.71% | 31.28%-7.6pp | 28.19%-4.5pp | 29.39%-5.7pp |
| Employer contribution / active EE | $2,943 | $1,823+61.5% | $2,521+16.7% | $2,177+35.2% |
| Participant deferral / active EE | $5,694 | $3,389+68.0% | $4,049+40.6% | $3,514+62.0% |
| Admin fee / account holder | $1,888 | $520+263.2% | $7,491-74.8% | $847+122.8% |