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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RESOURCES INVESTMENT ADVISORS Service code 27 · EIN 43-1451524 | Advisory (Plan) | $35,627 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $31,372 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
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 | $16,596 | $95,388-82.6% | $125,391-86.8% | $77,906-78.7% |
| Participation rate | 43.0% | 78.6%-35.6pp | 82.4%-39.3pp | 73.7%-30.7pp |
| Annual return | 57.72% | 116.19%-58.5pp | 572.41%-514.7pp | 12.16%+45.6pp |
| Employer contribution / active EE | $1,200 | $3,666-67.3% | $4,816-75.1% | $2,846-57.9% |
| Participant deferral / active EE | $2,454 | $7,711-68.2% | $7,448-67.1% | $4,805-48.9% |
| Admin fee / account holder | $35 | $119-70.1% | $10,009-99.6% | $133-73.2% |