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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $681,415 |
PENSION PLAN SPECIALISTS, PC10+ years Service code 13 · EIN 26-1570786 | Contract Administrator | $392,868 |
Filed as: OPPORTUNUS WEALTH MANAGEMENT, LLC Service code 27 · EIN 83-2752253 | Advisory (Plan) | $117,921 |
HOWELL STRACZEK LLC3 years Service code 10 · EIN 85-2477767 | Accounting | $24,000 |
XENIUM RESOURCES, INC.10+ years Service code 13 · EIN 93-1277996 | Contract Administrator | $7,402 |
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.)
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 | $64,134 | $44,898+42.8% | $85,187-24.7% | $199,960-67.9% |
| Participation rate | 45.7% | 45.7%0pp | 67.5%-21.8pp | 72.0%-26.3pp |
| Annual return | 13.81% | 20.98%-7.2pp | 66.67%-52.9pp | 34.28%-20.5pp |
| Employer contribution / active EE | $1,458 | $1,367+6.6% | $2,732-46.6% | $3,036-52.0% |
| Participant deferral / active EE | $3,295 | $2,670+23.4% | $4,525-27.2% | $5,087-35.2% |
| Admin fee / account holder | $364 | $585-37.8% | $6,162-94.1% | $269+35.2% |