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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $44,316 |
COMMONWEALTH FINANCIAL NETWORK2+ years Service code 27 · EIN 04-2675571 | Advisory (Plan) | $18,877 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $35,825 | $52,884-32.3% | $84,753-57.7% | $55,167-35.1% |
| Participation rate | 57.6% | 67.5%-9.9pp | 76.6%-19.0pp | 69.0%-11.4pp |
| Annual return | 5.73% | 18.03%-12.3pp | 22.78%-17.1pp | 169.23%-163.5pp |
| Employer contribution / active EE | $933 | $2,233-58.2% | $3,574-73.9% | $1,963-52.5% |
| Participant deferral / active EE | $1,747 | $2,644-33.9% | $3,712-52.9% | $3,054-42.8% |
| Admin fee / account holder | $333 | $581-42.6% | $5,333-93.8% | $504-33.9% |