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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $10,768 |
EDWARD JONES3+ years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $10,590 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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).
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 | $44,269 | $71,192-37.8% | $117,861-62.4% | $62,293-28.9% |
| Participation rate | 42.4% | 74.2%-31.8pp | 79.7%-37.3pp | 69.5%-27.1pp |
| Annual return | 14.19% | 18.66%-4.5pp | 335.11%-320.9pp | 28.90%-14.7pp |
| Employer contribution / active EE | $194 | $1,934-89.9% | $3,786-94.9% | $2,042-90.5% |
| Participant deferral / active EE | $1,978 | $3,189-38.0% | $4,482-55.9% | $3,169-37.6% |
| Admin fee / account holder | $100 | $587-83.0% | $8,021-98.8% | $479-79.2% |