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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $45,855 |
WELLS FARGO BANK, N.A.6+ years Filed as: WELLS FARGO ADVISORS INS AGENCY LLC Service code 49 · EIN 54-0910269 | Other Services | $18,997 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $42,133 | $58,888-28.5% | $178,498-76.4% | $73,493-42.7% |
| Participation rate | 63.8% | 66.2%-2.5pp | 81.9%-18.2pp | 70.7%-6.9pp |
| Annual return | 15.56% | 24.86%-9.3pp | 151.09%-135.5pp | 28.51%-13.0pp |
| Employer contribution / active EE | $1,849 | $2,236-17.3% | $5,011-63.1% | $2,270-18.5% |
| Participant deferral / active EE | $3,865 | $2,568+50.5% | $5,202-25.7% | $3,740+3.4% |
| Admin fee / account holder | $352 | $400-12.2% | $13,985-97.5% | $513-31.5% |