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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY11+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $46,267 |
RBC WEALTH MANAGEMENT11+ years Filed as: RBC CAPITAL MARKETS LLC Service code 17 · EIN 41-1416330 | Pension Consulting | $24,990 |
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 | $79,348 | $64,705+22.6% | $62,929+26.1% | $67,986+16.7% |
| Participation rate | 95.8% | 65.6%+30.2pp | 73.1%+22.7pp | 57.2%+38.6pp |
| Annual return | 9.51% | 20.31%-10.8pp | 1063.93%-1054.4pp | 31.67%-22.2pp |
| Employer contribution / active EE | $2,668 | $2,376+12.3% | $2,505+6.5% | $2,019+32.2% |
| Participant deferral / active EE | $5,673 | $3,198+77.4% | $3,888+45.9% | $3,358+68.9% |
| Admin fee / account holder | $336 | $1,428-76.5% | $5,065-93.4% | $3,203-89.5% |