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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $24,775 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $1,247 |
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).
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 | $29,053 | $48,267-39.8% | $68,808-57.8% | $68,486-57.6% |
| Participation rate | 62.1% | 60.7%+1.4pp | 69.0%-6.9pp | 67.9%-5.8pp |
| Annual return | -15.89% | -12.70%-3.2pp | -6.37%-9.5pp | -7.85%-8.0pp |
| Employer contribution / active EE | $542 | $1,829-70.4% | $2,656-79.6% | $2,597-79.1% |
| Participant deferral / active EE | $3,246 | $2,867+13.2% | $3,942-17.7% | $4,028-19.4% |
| Admin fee / account holder | $359 | $4,362-91.8% | $4,936-92.7% | $5,404-93.4% |