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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,153 |
CETERA ADVISOR NETWORKS LLC1+ years Filed as: CETERA ADVISOR NETWORKS INSURANCE S Service code 49 · EIN 33-0232417 | Other Services | $0 |
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.
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 | $19,415 | $57,108-66.0% | $94,229-79.4% | $52,331-62.9% |
| Participation rate | 60.2% | 72.9%-12.8pp | 78.8%-18.6pp | 68.1%-7.9pp |
| Annual return | 11.22% | 1.47%+9.7pp | 10.68%+0.5pp | 4.54%+6.7pp |
| Employer contribution / active EE | $1,268 | $1,735-26.9% | $3,587-64.6% | $1,882-32.6% |
| Participant deferral / active EE | $3,100 | $3,040+2.0% | $4,320-28.3% | $3,022+2.6% |
| Admin fee / account holder | $24 | $546-95.5% | $6,269-99.6% | $592-95.9% |