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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $28,984 |
COMMONWEALTH FINANCIAL NETWORK1+ years Service code 27 · EIN 04-2675571 | Advisory (Plan) | $6,644 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $138,928 | $66,124+110.1% | $90,461+53.6% | $73,497+89.0% |
| Participation rate | 31.2% | 69.7%-38.5pp | 72.7%-41.5pp | 70.7%-39.5pp |
| Annual return | 0.00% | 17.65%-17.7pp | 1294.76%-1294.8pp | 28.51%-28.5pp |
| Employer contribution / active EE | $636 | $2,346-72.9% | $3,264-80.5% | $2,270-72.0% |
| Participant deferral / active EE | $1,843 | $3,039-39.4% | $3,964-53.5% | $3,740-50.7% |
| Admin fee / account holder | $339 | $396-14.4% | $5,617-94.0% | $513-33.9% |