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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $58,882 |
WEALTH NAVIGATION LLC5 years Service code 27 · EIN 72-1547273 | Advisory (Plan) | $22,253 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,755 | $66,486-34.2% | $81,370-46.2% | $77,762-43.7% |
| Participation rate | 32.4% | 68.7%-36.3pp | 69.5%-37.2pp | 70.6%-38.2pp |
| Annual return | 12.18% | 15.95%-3.8pp | 24.85%-12.7pp | 31.27%-19.1pp |
| Employer contribution / active EE | $1,259 | $2,158-41.7% | $2,464-48.9% | $2,728-53.9% |
| Participant deferral / active EE | $2,169 | $3,677-41.0% | $3,885-44.2% | $4,651-53.4% |
| Admin fee / account holder | $453 | $586-22.7% | $5,749-92.1% | $433+4.6% |