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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $39,116 |
LEONARD CARDER, LLP4 years Filed as: LEONARD ADAMS INSURANCE INC Service code 49 | Other Services | $2,778 |
Service code 49 · EIN 93-0502772 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $66,036 | $49,693+32.9% | $70,544-6.4% | $74,460-11.3% |
| Participation rate | 30.9% | 64.7%-33.7pp | 68.4%-37.4pp | 70.7%-39.8pp |
| Annual return | 21.41% | 21.22%+0.2pp | 32.79%-11.4pp | 34.38%-13.0pp |
| Employer contribution / active EE | $265 | $1,773-85.1% | $2,976-91.1% | $2,638-90.0% |
| Participant deferral / active EE | $1,810 | $3,376-46.4% | $4,568-60.4% | $4,530-60.0% |
| Admin fee / account holder | $204 | $316-35.4% | $6,427-96.8% | $348-41.3% |