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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $62,652 |
IVC WEALTH ADVISORS LLC3+ years Filed as: IVC WEALTH ADVISORS, LLC Service code 27 · EIN 47-1654678 | Advisory (Plan) | $22,500 |
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.)
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 | $96,197 | $101,653-5.4% | $147,080-34.6% | $74,459+29.2% |
| Participation rate | 69.2% | 75.6%-6.4pp | 82.2%-13.0pp | 67.2%+1.9pp |
| Annual return | 22.97% | 8754.98%-8732.0pp | 420.17%-397.2pp | 1369.70%-1346.7pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $13,886 | $7,304+90.1% | $8,066+72.1% | $4,350+219.2% |
| Admin fee / account holder | $326 | $1,752-81.4% | $12,989-97.5% | $1,945-83.2% |