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| Provider | Service type | Compensation |
|---|---|---|
INVESTMENT CENTERS OF AMERICA3+ years Service code 49 · EIN 45-0389744 | Other Services | $6,838 |
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,449 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $26,076 | $55,453-53.0% | $170,435-84.7% | $62,293-58.1% |
| Participation rate | 55.8% | 66.4%-10.6pp | 83.6%-27.8pp | 69.5%-13.7pp |
| Annual return | 23.88% | 21.38%+2.5pp | 205.94%-182.1pp | 28.90%-5.0pp |
| Employer contribution / active EE | $836 | $2,164-61.4% | $5,432-84.6% | $2,042-59.1% |
| Participant deferral / active EE | $1,087 | $2,303-52.8% | $4,939-78.0% | $3,169-65.7% |
| Admin fee / account holder | $11 | $455-97.5% | $13,881-99.9% | $479-97.6% |