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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.
Employer contribution per participant 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 | $33,285 | $36,002-7.5% | $161,489-79.4% | $64,728-48.6% |
| Participation rate | 21.5% | 57.4%-35.9pp | 78.7%-57.2pp | 57.9%-36.4pp |
| Annual return | 15.53% | 33.93%-18.4pp | 89.72%-74.2pp | 49.38%-33.9pp |
| Employer contribution / active EE | $231 | $1,380-83.2% | $4,268-94.6% | $2,243-89.7% |
| Participant deferral / active EE | $788 | $1,815-56.6% | $5,630-86.0% | $2,729-71.1% |
| Admin fee / account holder | $92 | $931-90.1% | $16,006-99.4% | $1,145-91.9% |