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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 | $67,594+17.4% | $77,361+2.6% | $69,733+13.8% |
| Participation rate | 95.8% | 71.7%+24.1pp | 75.0%+20.9pp | 62.5%+33.4pp |
| Annual return | 9.51% | 19.20%-9.7pp | 1011.54%-1002.0pp | 15.22%-5.7pp |
| Employer contribution / active EE | $2,668 | $2,649+0.7% | $2,990-10.8% | $2,250+18.6% |
| Participant deferral / active EE | $5,673 | $3,401+66.8% | $3,911+45.1% | $3,054+85.7% |
| Admin fee / account holder | $336 | $1,159-71.0% | $5,894-94.3% | $3,102-89.2% |