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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 17 · EIN 13-5674085 | Pension Consulting | $14,702 |
PURK & ASSOCIATES, P.C.2 years Filed as: PURK & ASSOCIATES, PC Service code 10 · EIN 26-4532849 | Accounting | $9,000 |
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,612 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $69,667 | $60,119+15.9% | $90,430-23.0% | $79,858-12.8% |
| Participation rate | 69.7% | 65.0%+4.7pp | 72.7%-3.0pp | 69.6%0pp |
| Annual return | 8.34% | 71.94%-63.6pp | 1293.73%-1285.4pp | 31.72%-23.4pp |
| Employer contribution / active EE | $1,437 | $2,068-30.5% | $3,262-56.0% | $2,471-41.9% |
| Participant deferral / active EE | $4,477 | $2,938+52.4% | $3,963+13.0% | $3,740+19.7% |
| Admin fee / account holder | $350 | $3,976-91.2% | $5,613-93.8% | $5,306-93.4% |