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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $78,803 |
MERCER1 year Filed as: MERCER INVESTMENTS LLC Service code 27 · EIN 36-2668272 | Advisory (Plan) | $18,593 |
MERCER1 year Service code 27 · EIN 30-0282430 | Advisory (Plan) | $9,527 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $114,837 | $79,209+45.0% | $102,434+12.1% | $74,459+54.2% |
| Participation rate | 90.2% | 74.8%+15.4pp | 76.5%+13.7pp | 67.2%+22.9pp |
| Annual return | 15.23% | 54.98%-39.8pp | 29.46%-14.2pp | 1369.70%-1354.5pp |
| Employer contribution / active EE | $5,048 | $2,362+113.7% | $3,023+67.0% | $2,626+92.2% |
| Participant deferral / active EE | $7,565 | $4,417+71.3% | $5,055+49.6% | $4,350+73.9% |
| Admin fee / account holder | $366 | $2,002-81.7% | $9,462-96.1% | $1,945-81.2% |