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| Provider | Service type | Compensation |
|---|---|---|
VERITAS WEALTH ADVISORS9+ years Service code 27 · EIN 20-0488076 | Advisory (Plan) | $11,895 |
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,278 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $44,104 | $54,717-19.4% | $86,216-48.8% | $71,511-38.3% |
| Participation rate | 67.4% | 60.1%+7.3pp | 69.0%-1.6pp | 67.9%-0.5pp |
| Annual return | 16.99% | 20.07%-3.1pp | 1169.42%-1152.4pp | 28.86%-11.9pp |
| Employer contribution / active EE | $231 | $1,267-81.7% | $2,382-90.3% | $2,589-91.1% |
| Participant deferral / active EE | $4,297 | $3,110+38.1% | $3,986+7.8% | $4,291+0.1% |
| Admin fee / account holder | $116 | $1,922-94.0% | $6,853-98.3% | $1,588-92.7% |