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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $6,963 |
LPL FINANCIAL1+ years Filed as: LPL FINANCIAL CORPORATION Service code 49 · EIN 95-2834236 | Other Services | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $38,489 | $46,072-16.5% | $69,779-44.8% | $55,167-30.2% |
| Participation rate | 96.3% | 67.5%+28.8pp | 71.8%+24.5pp | 69.0%+27.3pp |
| Annual return | -1.70% | 8.68%-10.4pp | 12.99%-14.7pp | 169.23%-170.9pp |
| Employer contribution / active EE | $657 | $1,500-56.2% | $2,338-71.9% | $1,963-66.5% |
| Participant deferral / active EE | $2,004 | $2,344-14.5% | $2,931-31.6% | $3,054-34.4% |
| Admin fee / account holder | $27 | $428-93.6% | $4,381-99.4% | $504-94.6% |