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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $80,152 |
Filed as: RAYMOND JAMES & ASSOCIATES INC Service code 27 | Advisory (Plan) | $44,794 |
ASCENSUS LLC3 years Filed as: ASCENSUS Service code 49 · EIN 82-3719843 | Other Services | $7,437 |
RAYMOND JAMES FINANCIAL SERVICES9+ years Filed as: RAYMOND JAMES & ASSOCIATES Service code 27 · EIN 59-1237041 | 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.
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 | $132,109 | $93,598+41.1% | $135,974-2.8% | $75,173+75.7% |
| Participation rate | 66.0% | 75.2%-9.2pp | 81.9%-15.9pp | 67.2%-1.2pp |
| Annual return | 13.63% | 30.89%-17.3pp | 68.30%-54.7pp | 160.72%-147.1pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $6,938 | $6,405+8.3% | $7,760-10.6% | $4,126+68.1% |
| Admin fee / account holder | $668 | $6,978-90.4% | $10,767-93.8% | $5,651-88.2% |