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| Provider | Service type | Compensation |
|---|---|---|
LUTZ & COMPANY, PC2+ years Filed as: LUTZ Service code 10 · EIN 47-0625816 | Accounting | $12,235 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $7,982 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $24,707 | $52,884-53.3% | $84,753-70.8% | $55,167-55.2% |
| Participation rate | 58.0% | 67.5%-9.5pp | 76.6%-18.6pp | 69.0%-11.0pp |
| Annual return | 6.20% | 18.03%-11.8pp | 22.78%-16.6pp | 169.23%-163.0pp |
| Employer contribution / active EE | $734 | $2,233-67.2% | $3,574-79.5% | $1,963-62.6% |
| Participant deferral / active EE | $1,818 | $2,644-31.2% | $3,712-51.0% | $3,054-40.5% |
| Admin fee / account holder | $75 | $581-87.1% | $5,333-98.6% | $504-85.1% |