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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CBIZ INVESTMENT ADVISORY SERVICES, Service code 27 · EIN 81-3968784 | Advisory (Plan) | $12,005 |
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $5,425 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,977 | $50,902-41.1% | $155,534-80.7% | $77,736-61.4% |
| Participation rate | 67.8% | 63.1%+4.7pp | 78.2%-10.4pp | 70.6%-2.8pp |
| Annual return | 11.20% | 34.85%-23.6pp | 64.92%-53.7pp | 31.26%-20.1pp |
| Employer contribution / active EE | $633 | $1,991-68.2% | $4,675-86.5% | $2,728-76.8% |
| Participant deferral / active EE | $2,266 | $2,824-19.7% | $5,630-59.7% | $4,651-51.3% |
| Admin fee / account holder | $26 | $437-94.1% | $15,900-99.8% | $433-94.0% |