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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $59,863 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $25,790 |
WILSHIRE ASSOCIATES INCORPORATED4+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,225 | $77,677-35.3% | $109,188-54.0% | $79,389-36.7% |
| Participation rate | 85.7% | 67.8%+17.9pp | 75.9%+9.8pp | 70.7%+15.0pp |
| Annual return | 20.41% | 23.44%-3.0pp | 25.76%-5.3pp | 116.89%-96.5pp |
| Employer contribution / active EE | $4,471 | $2,798+59.8% | $3,723+20.1% | $2,428+84.1% |
| Participant deferral / active EE | $4,527 | $3,517+28.7% | $4,654-2.7% | $4,046+11.9% |
| Admin fee / account holder | $361 | $732-50.8% | $6,755-94.7% | $626-42.4% |