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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $18,309 |
MORGAN STANLEY SMITH BARNEY6+ years Filed as: MORGAN STANLEY DW INC Service code 49 · EIN 94-1671384 | Other Services | $12,435 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $41,348 | $58,895-29.8% | $178,503-76.8% | $73,497-43.7% |
| Participation rate | 54.5% | 66.2%-11.8pp | 81.9%-27.5pp | 70.7%-16.2pp |
| Annual return | 16.06% | 24.86%-8.8pp | 151.12%-135.1pp | 28.51%-12.5pp |
| Employer contribution / active EE | $625 | $2,236-72.0% | $5,011-87.5% | $2,270-72.5% |
| Participant deferral / active EE | $2,913 | $2,567+13.5% | $5,202-44.0% | $3,740-22.1% |
| Admin fee / account holder | $232 | $400-42.1% | $13,987-98.3% | $513-54.8% |