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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $55,265 |
LPL FINANCIAL2 years Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $25,011 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,581 | $69,383-8.4% | $101,275-37.2% | $73,497-13.5% |
| Participation rate | 69.0% | 68.4%+0.7pp | 75.8%-6.8pp | 70.7%-1.6pp |
| Annual return | 9.74% | 18.46%-8.7pp | 46.48%-36.7pp | 28.51%-18.8pp |
| Employer contribution / active EE | $1,071 | $2,628-59.3% | $3,660-70.7% | $2,270-52.8% |
| Participant deferral / active EE | $3,431 | $3,301+3.9% | $4,371-21.5% | $3,740-8.3% |
| Admin fee / account holder | $457 | $704-35.1% | $5,948-92.3% | $513-11.0% |