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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAMBRIDGE INVESTMENT RESEARCH ADVIS Service code 27 · EIN 20-1665305 | Advisory (Plan) | $12,088 |
PRINCIPAL LIFE INSURANCE COMPANY11+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $8,836 |
ASCENSUS LLC4 years Filed as: ASCENSUS Service code 13 · EIN 82-3719843 | Contract Administrator | $7,486 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $33,285 | $46,464-28.4% | $150,298-77.9% | $79,634-58.2% |
| Participation rate | 21.5% | 57.0%-35.4pp | 77.8%-56.2pp | 62.5%-41.0pp |
| Annual return | 15.53% | 27.89%-12.4pp | 62.79%-47.3pp | 36.46%-20.9pp |
| Employer contribution / active EE | $231 | $1,512-84.7% | $4,154-94.4% | $2,529-90.9% |
| Participant deferral / active EE | $788 | $2,157-63.5% | $5,453-85.5% | $3,835-79.4% |
| Admin fee / account holder | $92 | $891-89.6% | $14,116-99.3% | $1,002-90.8% |