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| Provider | Service type | Compensation |
|---|---|---|
COLEMAN BENEFIT ADVISORS3 years Service code 27 · EIN 55-3455539 | Advisory (Plan) | $8,765 |
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,755 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,352 | $70,879-52.9% | $189,558-82.4% | $79,393-58.0% |
| Participation rate | 30.7% | 68.0%-37.3pp | 78.5%-47.8pp | 70.7%-40.1pp |
| Annual return | 13.12% | 20.70%-7.6pp | 64.19%-51.1pp | 116.87%-103.7pp |
| Employer contribution / active EE | $0 | $1,806-100.0% | $4,412-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,557 | $4,081-61.9% | $6,174-74.8% | $4,046-61.5% |
| Admin fee / account holder | $135 | $647-79.2% | $9,809-98.6% | $627-78.5% |