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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $60,513 |
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $27,856 |
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 | $62,210 | $77,677-19.9% | $109,173-43.0% | $79,391-21.6% |
| Participation rate | 69.5% | 67.8%+1.7pp | 75.9%-6.4pp | 70.7%-1.2pp |
| Annual return | 6.56% | 23.44%-16.9pp | 25.75%-19.2pp | 116.88%-110.3pp |
| Employer contribution / active EE | $1,115 | $2,798-60.2% | $3,723-70.1% | $2,428-54.1% |
| Participant deferral / active EE | $3,538 | $3,517+0.6% | $4,654-24.0% | $4,046-12.5% |
| Admin fee / account holder | $469 | $732-36.0% | $6,755-93.1% | $627-25.1% |