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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $33,114 |
ACCEL WEALTH MANAGEMENT4 years Filed as: ACCEL WEALTH MANAGEMENT LLC Service code 27 · EIN 83-0742869 | Advisory (Plan) | $16,619 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,645 | $53,216-57.4% | $155,534-85.4% | $199,960-88.7% |
| Participation rate | 16.3% | 64.1%-47.8pp | 78.2%-61.9pp | 72.0%-55.7pp |
| Annual return | 8.64% | 41.18%-32.5pp | 64.92%-56.3pp | 34.28%-25.6pp |
| Employer contribution / active EE | $0 | $1,848-100.0% | $4,675-100.0% | $3,036-100.0% |
| Participant deferral / active EE | $317 | $3,164-90.0% | $5,630-94.4% | $5,087-93.8% |
| Admin fee / account holder | $142 | $186-23.5% | $15,900-99.1% | $269-47.2% |