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| Provider | Service type | Compensation |
|---|---|---|
Filed as: NORTHWESTERN MUTUAL WEALTH MGMT Service code 27 · EIN 39-2018056 | Advisory (Plan) | $5,330 |
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,533 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,384 | $52,279-20.8% | $89,400-53.7% | $79,858-48.2% |
| Participation rate | 32.3% | 57.5%-25.2pp | 68.0%-35.7pp | 69.6%-37.3pp |
| Annual return | 8.77% | 22.16%-13.4pp | 245.64%-236.9pp | 31.72%-22.9pp |
| Employer contribution / active EE | $2,276 | $1,572+44.8% | $2,586-12.0% | $2,471-7.9% |
| Participant deferral / active EE | $0 | $2,740-100.0% | $3,890-100.0% | $3,740-100.0% |
| Admin fee / account holder | $305 | $3,356-90.9% | $4,882-93.7% | $5,306-94.2% |