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| Provider | Service type | Compensation |
|---|---|---|
COLEMAN BENEFIT ADVISORS1 year Service code 27 · EIN 55-3455539 | Advisory (Plan) | $7,618 |
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,717 |
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 | $21,624 | $56,918-62.0% | $182,540-88.2% | $65,185-66.8% |
| Participation rate | 33.8% | 66.5%-32.7pp | 78.0%-44.2pp | 70.2%-36.4pp |
| Annual return | 19.95% | 27.67%-7.7pp | 148.58%-128.6pp | 29.38%-9.4pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $4,076-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,467 | $3,526-58.4% | $5,525-73.5% | $3,514-58.3% |
| Admin fee / account holder | $116 | $531-78.1% | $8,593-98.6% | $847-86.3% |