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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $52,817 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $19,603 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,858 | $63,114-5.2% | $92,915-35.6% | $65,186-8.2% |
| Participation rate | 62.8% | 68.8%-6.0pp | 76.0%-13.2pp | 70.2%-7.4pp |
| Annual return | 13.21% | 28.75%-15.5pp | 109.45%-96.2pp | 29.39%-16.2pp |
| Employer contribution / active EE | $959 | $2,571-62.7% | $3,653-73.7% | $2,177-55.9% |
| Participant deferral / active EE | $3,182 | $3,108+2.4% | $4,238-24.9% | $3,514-9.4% |
| Admin fee / account holder | $459 | $624-26.3% | $5,796-92.1% | $847-45.8% |