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| Provider | Service type | Compensation |
|---|---|---|
KESTRA INVESTMENT SERVICES LLC3+ years Service code 49 · EIN 74-2794194 | Other Services | $25,936 |
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $15,522 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $30,450 | $75,388-59.6% | $123,552-75.4% | $55,725-45.4% |
| Participation rate | 94.2% | 75.7%+18.6pp | 82.3%+11.9pp | 70.9%+23.4pp |
| Annual return | -7.61% | 4.48%-12.1pp | 119.20%-126.8pp | 244.93%-252.5pp |
| Employer contribution / active EE | $1,777 | $3,063-42.0% | $4,628-61.6% | $2,078-14.5% |
| Participant deferral / active EE | $5,811 | $5,651+2.8% | $6,426-9.6% | $3,356+73.2% |
| Admin fee / account holder | $44 | $120-63.1% | $9,285-99.5% | $115-61.6% |