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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $59,954 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $34,551 |
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 | $99,839 | $88,137+13.3% | $164,975-39.5% | $74,429+34.1% |
| Participation rate | 88.1% | 73.1%+15.0pp | 78.6%+9.5pp | 67.2%+20.9pp |
| Annual return | 11.49% | 17.13%-5.6pp | 70.12%-58.6pp | 1368.38%-1356.9pp |
| Employer contribution / active EE | $1,865 | $2,597-28.2% | $4,343-57.1% | $2,625-28.9% |
| Participant deferral / active EE | $3,814 | $4,501-15.3% | $6,033-36.8% | $4,348-12.3% |
| Admin fee / account holder | $458 | $2,231-79.5% | $12,688-96.4% | $1,944-76.5% |