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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $40,681 |
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $4,447 |
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $161,483 | $52,967+204.9% | $172,753-6.5% | $65,186+147.7% |
| Participation rate | 93.0% | 66.2%+26.8pp | 82.6%+10.4pp | 70.2%+22.8pp |
| Annual return | 25.71% | 30.12%-4.4pp | 803.00%-777.3pp | 29.39%-3.7pp |
| Employer contribution / active EE | $15,639 | $2,190+614.0% | $5,144+204.0% | $2,177+618.4% |
| Participant deferral / active EE | $6,645 | $2,471+168.9% | $5,198+27.8% | $3,514+89.1% |
| Admin fee / account holder | $36 | $472-92.3% | $13,956-99.7% | $847-95.7% |