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| Provider | Service type | Compensation |
|---|---|---|
KESTRA INVESTMENT SERVICES LLC2+ years Service code 49 · EIN 74-2794194 | Other Services | $20,555 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $13,480 |
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $33,658 | $155,795-78.4% | $136,298-75.3% | $69,631-51.7% |
| Participation rate | 83.6% | 75.2%+8.3pp | 81.9%+1.7pp | 70.7%+12.9pp |
| Annual return | 21.60% | 232464.33%-232442.7pp | 5156.27%-5134.7pp | 27571.02%-27549.4pp |
| Employer contribution / active EE | $1,682 | $2,991-43.8% | $4,696-64.2% | $2,032-17.2% |
| Participant deferral / active EE | $5,597 | $5,394+3.8% | $6,247-10.4% | $3,224+73.6% |
| Admin fee / account holder | $45 | $128-65.2% | $9,244-99.5% | $110-59.6% |