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| Provider | Service type | Compensation |
|---|---|---|
HARBOR1+ years Filed as: HARBOR INVESTMENT ADVISORY LLC Service code 27 · EIN 90-0497525 | Advisory (Plan) | $8,182 |
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,000 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $12,763 | $46,219-72.4% | $89,414-85.7% | $90,274-85.9% |
| Participation rate | 29.9% | 44.9%-15.0pp | 68.0%-38.1pp | 73.4%-43.5pp |
| Annual return | 0.00% | 25.71%-25.7pp | 245.50%-245.5pp | 53.97%-54.0pp |
| Employer contribution / active EE | $33 | $953-96.6% | $2,586-98.7% | $2,523-98.7% |
| Participant deferral / active EE | $343 | $2,136-83.9% | $3,890-91.2% | $4,231-91.9% |
| Admin fee / account holder | $2 | $147-98.9% | $4,883-100.0% | $114-98.6% |