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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $31,629 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY DW INC Service code 49 · EIN 94-1671384 | Other Services | $15,129 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $20,802 | $107,378-80.6% | $108,582-80.8% | $57,658-63.9% |
| Participation rate | 67.8% | 77.1%-9.3pp | 79.6%-11.8pp | 70.2%-2.4pp |
| Annual return | 8.01% | 12.80%-4.8pp | -51.70%+59.7pp | 5.13%+2.9pp |
| Employer contribution / active EE | $1,617 | $1,782-9.2% | $3,758-57.0% | $1,974-18.1% |
| Participant deferral / active EE | $2,728 | $3,221-15.3% | $4,311-36.7% | $3,061-10.9% |
| Admin fee / account holder | $153 | $108+41.1% | $7,645-98.0% | $95+61.9% |