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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $42,707 |
WEALTH NAVIGATION LLC4 years Service code 27 · EIN 72-1547273 | Advisory (Plan) | $16,531 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,398 | $69,823-57.9% | $76,902-61.8% | $74,473-60.5% |
| Participation rate | 33.2% | 70.0%-36.8pp | 69.6%-36.4pp | 70.7%-37.5pp |
| Annual return | 17.83% | 19.99%-2.2pp | 37.91%-20.1pp | 34.36%-16.5pp |
| Employer contribution / active EE | $829 | $2,148-61.4% | $2,534-67.3% | $2,638-68.6% |
| Participant deferral / active EE | $1,493 | $3,558-58.0% | $3,833-61.1% | $4,530-67.1% |
| Admin fee / account holder | $301 | $398-24.4% | $5,479-94.5% | $347-13.3% |