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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $11,804 |
FORUSALL, INC.3 years Filed as: FORUSALL Service code 27 · EIN 46-1803145 | Advisory (Plan) | $8,188 |
NOVA 401(K) ASSOCIATES7+ years Filed as: NOVA 401K ASSOCIATES Service code 13 · EIN 20-1181458 | Contract Administrator | $5,858 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,862 | $71,873-62.6% | $86,698-69.0% | $68,490-60.8% |
| Participation rate | 53.6% | 72.2%-18.6pp | 76.6%-23.0pp | 67.9%-14.3pp |
| Annual return | 11.10% | 3.54%+7.6pp | 35.96%-24.9pp | -7.85%+19.0pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $925 | $3,779-75.5% | $4,656-80.1% | $4,028-77.0% |
| Admin fee / account holder | $257 | $6,110-95.8% | $7,492-96.6% | $5,403-95.2% |