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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $17,121 |
SAGEPOINT FINANCIAL INC1+ years Filed as: FSC SECURITIES CORPORATION Service code 27 · EIN 58-1288674 | Advisory (Plan) | $9,761 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,992 | $61,052-72.2% | $142,874-88.1% | $79,393-78.6% |
| Participation rate | 32.0% | 60.1%-28.1pp | 72.0%-39.9pp | 70.7%-38.7pp |
| Annual return | 28.61% | 16.02%+12.6pp | 5638.58%-5610.0pp | 116.87%-88.3pp |
| Employer contribution / active EE | $636 | $1,481-57.0% | $4,145-84.7% | $2,428-73.8% |
| Participant deferral / active EE | $1,075 | $2,879-62.7% | $3,838-72.0% | $4,046-73.4% |
| Admin fee / account holder | $184 | $659-72.1% | $6,561-97.2% | $627-70.6% |