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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $30,396 |
USI CONSULTING GROUP7 years Filed as: USI SECURITIES INC Service code 49 · EIN 06-1493970 | Other Services | $6,791 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,085 | $81,331-53.2% | $155,534-75.5% | $80,935-52.9% |
| Participation rate | 74.2% | 66.3%+7.9pp | 78.2%-4.0pp | 67.7%+6.5pp |
| Annual return | 10.00% | 33.37%-23.4pp | 64.92%-54.9pp | 35.66%-25.7pp |
| Employer contribution / active EE | $602 | $3,105-80.6% | $4,675-87.1% | $2,757-78.1% |
| Participant deferral / active EE | $2,951 | $3,454-14.6% | $5,630-47.6% | $4,299-31.4% |
| Admin fee / account holder | $317 | $7,999-96.0% | $15,900-98.0% | $6,924-95.4% |