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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $35,164 |
JANNEY MONTGOMERY SCOTT LLC7 years Service code 49 · EIN 23-0731260 | Other Services | $16,569 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,538 | $44,980-76.6% | $85,063-87.6% | $77,692-86.4% |
| Participation rate | 59.3% | 48.6%+10.6pp | 67.5%-8.2pp | 70.6%-11.3pp |
| Annual return | 10.68% | 79.13%-68.5pp | 66.54%-55.9pp | 31.25%-20.6pp |
| Employer contribution / active EE | $0 | $1,607-100.0% | $2,727-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $1,188 | $2,804-57.6% | $4,523-73.7% | $4,648-74.4% |
| Admin fee / account holder | $94 | $911-89.7% | $6,155-98.5% | $431-78.2% |