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| Provider | Service type | Compensation |
|---|---|---|
NFP RETIREMENT INC3+ years Filed as: NFP INSURANCE SERVICES INC Service code 49 · EIN 74-2470431 | Other Services | $1,879 |
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $723 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $32,216 | $43,999-26.8% | $79,466-59.5% | $55,725-42.2% |
| Participation rate | 26.7% | 66.9%-40.3pp | 73.3%-46.7pp | 70.9%-44.2pp |
| Annual return | -2.90% | 1.81%-4.7pp | 718.28%-721.2pp | 244.93%-247.8pp |
| Employer contribution / active EE | $276 | $1,830-84.9% | $2,800-90.1% | $2,078-86.7% |
| Participant deferral / active EE | $671 | $2,538-73.6% | $3,704-81.9% | $3,356-80.0% |
| Admin fee / account holder | $7 | $118-93.7% | $5,104-99.9% | $115-93.6% |