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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $61,219 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $27,244 |
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 | $47,003 | $76,696-38.7% | $96,538-51.3% | $71,529-34.3% |
| Participation rate | 90.4% | 66.6%+23.9pp | 74.3%+16.1pp | 67.9%+22.5pp |
| Annual return | 18.30% | 48.32%-30.0pp | 35.74%-17.4pp | 28.97%-10.7pp |
| Employer contribution / active EE | $3,754 | $3,032+23.8% | $3,740+0.4% | $2,590+44.9% |
| Participant deferral / active EE | $4,223 | $3,770+12.0% | $4,880-13.5% | $4,291-1.6% |
| Admin fee / account holder | $300 | $2,030-85.2% | $6,737-95.5% | $1,588-81.1% |