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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $124,471 |
HARBOR4+ years Filed as: HARBOR INVESTMENT ADVISORY LLC Service code 27 · EIN 90-0497525 | Advisory (Plan) | $29,662 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $16,450 | $40,278-59.2% | $80,607-79.6% | $80,149-79.5% |
| Participation rate | 25.3% | 47.5%-22.2pp | 67.0%-41.7pp | 72.9%-47.6pp |
| Annual return | 22.67% | 50.86%-28.2pp | 936.11%-913.4pp | 40.39%-17.7pp |
| Employer contribution / active EE | $111 | $1,332-91.6% | $2,724-95.9% | $2,977-96.3% |
| Participant deferral / active EE | $974 | $2,696-63.9% | $4,448-78.1% | $5,015-80.6% |
| Admin fee / account holder | $131 | $210-37.6% | $5,379-97.6% | $145-9.5% |