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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $14,863 |
LUTZ & COMPANY, PC1+ years Filed as: LUTZ Service code 10 · EIN 47-0625816 | Accounting | $7,531 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $27,536 | $50,464-45.4% | $75,784-63.7% | $52,331-47.4% |
| Participation rate | 43.6% | 66.8%-23.2pp | 75.8%-32.3pp | 68.1%-24.5pp |
| Annual return | -3.03% | 1.03%-4.1pp | 9.68%-12.7pp | 4.54%-7.6pp |
| Employer contribution / active EE | $726 | $1,988-63.5% | $3,323-78.2% | $1,882-61.4% |
| Participant deferral / active EE | $1,818 | $2,570-29.3% | $3,652-50.2% | $3,022-39.8% |
| Admin fee / account holder | $220 | $1,103-80.1% | $5,300-95.9% | $592-62.9% |