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| Provider | Service type | Compensation |
|---|---|---|
COMMONWEALTH FINANCIAL NETWORK8+ years Service code 27 · EIN 04-2675571 | Advisory (Plan) | $42,834 |
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $31,929 |
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 | $103,345 | $91,439+13.0% | $135,974-24.0% | $71,511+44.5% |
| Participation rate | 98.2% | 75.7%+22.6pp | 81.9%+16.3pp | 67.9%+30.3pp |
| Annual return | 13.74% | 29.90%-16.2pp | 68.30%-54.6pp | 28.86%-15.1pp |
| Employer contribution / active EE | $2,680 | $3,705-27.7% | $4,859-44.8% | $2,589+3.5% |
| Participant deferral / active EE | $11,361 | $7,093+60.2% | $7,760+46.4% | $4,291+164.8% |
| Admin fee / account holder | $354 | $1,267-72.0% | $10,767-96.7% | $1,588-77.7% |