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| Provider | Service type | Compensation |
|---|---|---|
NFP RETIREMENT INC1 year Filed as: NFP RETIREMENT Service code 27 · EIN 33-0905143 | Advisory (Plan) | $52,666 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $20,588 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $81,970 | $79,169+3.5% | $100,415-18.4% | $74,478+10.1% |
| Participation rate | 69.9% | 79.4%-9.5pp | 81.5%-11.6pp | 67.2%+2.7pp |
| Annual return | 11.65% | 20.51%-8.9pp | 49.47%-37.8pp | 1370.56%-1358.9pp |
| Employer contribution / active EE | $2,892 | $3,017-4.2% | $3,943-26.7% | $2,626+10.1% |
| Participant deferral / active EE | $7,017 | $7,751-9.5% | $8,091-13.3% | $4,350+61.3% |
| Admin fee / account holder | $363 | $1,337-72.9% | $7,906-95.4% | $1,946-81.4% |