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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $55,518 |
COMMONWEALTH FINANCIAL NETWORK3+ years Service code 27 · EIN 04-2675571 | Advisory (Plan) | $22,994 |
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.)
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 | $42,295 | $58,726-28.0% | $92,240-54.1% | $62,293-32.1% |
| Participation rate | 56.8% | 68.3%-11.5pp | 76.5%-19.6pp | 69.5%-12.7pp |
| Annual return | 18.84% | 43.62%-24.8pp | 176.29%-157.5pp | 28.90%-10.1pp |
| Employer contribution / active EE | $744 | $2,392-68.9% | $3,680-79.8% | $2,042-63.6% |
| Participant deferral / active EE | $1,850 | $2,766-33.1% | $3,897-52.5% | $3,169-41.6% |
| Admin fee / account holder | $394 | $556-29.2% | $5,194-92.4% | $479-17.9% |