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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $22,480 |
LAWING FINANCIAL1+ years Filed as: LAWING FINANCIAL ASSOCIATES INC Service code 27 · EIN 48-1188446 | Advisory (Plan) | $21,168 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $32,497 | $41,854-22.4% | $73,835-56.0% | $52,331-37.9% |
| Participation rate | 47.5% | 66.2%-18.8pp | 73.4%-26.0pp | 68.1%-20.6pp |
| Annual return | 1.83% | 2.11%-0.3pp | 2268.13%-2266.3pp | 4.54%-2.7pp |
| Employer contribution / active EE | $671 | $1,920-65.1% | $2,788-75.9% | $1,882-64.3% |
| Participant deferral / active EE | $1,716 | $2,498-31.3% | $3,583-52.1% | $3,022-43.2% |
| Admin fee / account holder | $651 | $493+32.2% | $4,880-86.6% | $592+10.1% |