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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $222,335 |
ORENDA RETIREMENT, LLC4 years Service code 13 · EIN 36-4877979 | Contract Administrator | $78,567 |
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY INS SERVICES INC Service code 49 · EIN 51-0116113 | Other Services | $38,619 |
SBHU LIFE AGENCY INC1 year Filed as: SBHU LIFE AGENCY INC. Service code 49 | Other Services | $11,773 |
SBHU LIFE AGENCY INC1 year Filed as: SBHU LIFE INSURANCE AGENCY INC Service code 49 · EIN 13-2896238 | Other Services | $0 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $14,747 | $81,948-82.0% | $90,756-83.8% | $64,814-77.2% |
| Participation rate | 92.7% | 80.5%+12.3pp | 75.7%+17.1pp | 71.5%+21.3pp |
| Annual return | -16.81% | -12.53%-4.3pp | -12.16%-4.6pp | 32.84%-49.6pp |
| Employer contribution / active EE | $1,883 | $3,067-38.6% | $2,922-35.6% | $2,507-24.9% |
| Participant deferral / active EE | $3,039 | $4,844-37.3% | $4,565-33.4% | $4,310-29.5% |
| Admin fee / account holder | $359 | $157+128.8% | $8,445-95.7% | $188+91.4% |