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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $31,201 |
MORGAN STANLEY SMITH BARNEY4+ years Filed as: MORGAN STANLEY INS SERVICES INC Service code 49 · EIN 51-0116113 | Other Services | $3,274 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $17,808 | $56,287-68.4% | $54,726-67.5% | $56,287-68.4% |
| Participation rate | 68.9% | 69.9%-1.0pp | 79.1%-10.3pp | 69.9%-1.0pp |
| Annual return | -5.33% | -9.96%+4.6pp | -4.56%-0.8pp | -9.96%+4.6pp |
| Employer contribution / active EE | $651 | $2,111-69.1% | $3,449-81.1% | $2,111-69.1% |
| Participant deferral / active EE | $1,374 | $3,350-59.0% | $3,953-65.2% | $3,350-59.0% |
| Admin fee / account holder | $185 | $521-64.6% | $3,818-95.2% | $521-64.6% |