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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $43,813 |
STIFEL NICOLAUS & CO INC3 years Filed as: STIFEL NICOLAUS & COMPANY INC Service code 27 · EIN 43-0538770 | Advisory (Plan) | $39,218 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $100,855 | $91,394+10.4% | $130,026-22.4% | $74,440+35.5% |
| Participation rate | 52.6% | 77.8%-25.2pp | 78.5%-25.9pp | 70.7%-18.1pp |
| Annual return | 18.85% | 23.20%-4.3pp | -137.26%+156.1pp | 34.37%-15.5pp |
| Employer contribution / active EE | $1,030 | $2,565-59.8% | $4,321-76.2% | $2,638-61.0% |
| Participant deferral / active EE | $2,475 | $4,721-47.6% | $5,821-57.5% | $4,529-45.4% |
| Admin fee / account holder | $451 | $284+59.1% | $10,608-95.7% | $348+29.7% |