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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $54,050 |
SAGEPOINT FINANCIAL INC2 years Filed as: SAGEPOINT FINANCIAL Service code 27 · EIN 20-1741754 | Advisory (Plan) | $16,000 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $96,579 | $81,494+18.5% | $133,978-27.9% | $73,497+31.4% |
| Participation rate | 98.5% | 76.4%+22.1pp | 79.8%+18.6pp | 70.7%+27.8pp |
| Annual return | 13.50% | 19.40%-5.9pp | 45.10%-31.6pp | 28.51%-15.0pp |
| Employer contribution / active EE | $869 | $2,210-60.7% | $3,919-77.8% | $2,270-61.7% |
| Participant deferral / active EE | $6,784 | $3,787+79.1% | $5,047+34.4% | $3,740+81.4% |
| Admin fee / account holder | $370 | $713-48.1% | $8,930-95.9% | $513-27.8% |