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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $5,976 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY INS SERVICES INC Service code 49 · EIN 51-0116113 | Other Services | $1,412 |
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 | $27,168 | $32,425-16.2% | $74,577-63.6% | $55,167-50.8% |
| Participation rate | 84.7% | 54.0%+30.7pp | 68.1%+16.6pp | 69.0%+15.7pp |
| Annual return | 4.33% | 10.63%-6.3pp | 20.47%-16.1pp | 169.23%-164.9pp |
| Employer contribution / active EE | $700 | $1,043-32.9% | $2,525-72.3% | $1,963-64.3% |
| Participant deferral / active EE | $2,508 | $1,995+25.7% | $3,458-27.5% | $3,054-17.9% |
| Admin fee / account holder | $27 | $748-96.4% | $4,138-99.4% | $504-94.7% |