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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $77,877 |
SECURITIES AMERICA INC4+ years Service code 49 · EIN 11-2551174 | Other Services | $24,585 |
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 | $120,331 | $86,341+39.4% | $125,192-3.9% | $65,185+84.6% |
| Participation rate | 95.4% | 75.3%+20.1pp | 79.8%+15.6pp | 70.2%+25.2pp |
| Annual return | 10.02% | 27.44%-17.4pp | 43.79%-33.8pp | 29.38%-19.4pp |
| Employer contribution / active EE | $1,722 | $2,040-15.6% | $3,866-55.5% | $2,177-20.9% |
| Participant deferral / active EE | $4,763 | $3,538+34.6% | $4,937-3.5% | $3,514+35.5% |
| Admin fee / account holder | $351 | $609-42.4% | $9,704-96.4% | $847-58.6% |