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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $64,180 |
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Service code 17 · EIN 13-5674085 | Pension Consulting | $54,202 |
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.
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 | $93,308 | $54,245+72.0% | $93,727-0.4% | $77,762+20.0% |
| Participation rate | 85.1% | 63.9%+21.1pp | 68.7%+16.4pp | 70.6%+14.5pp |
| Annual return | 10.39% | 30.58%-20.2pp | 133.83%-123.4pp | 31.27%-20.9pp |
| Employer contribution / active EE | $776 | $1,168-33.5% | $2,421-68.0% | $2,728-71.6% |
| Participant deferral / active EE | $5,646 | $3,144+79.6% | $4,417+27.8% | $4,651+21.4% |
| Admin fee / account holder | $391 | $575-32.1% | $8,292-95.3% | $433-9.7% |