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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $41,087 |
Filed as: RAYMOND JAMES & ASSOCIATES, INC. Service code 31 · EIN 59-1237041 | Named fiduciary; Other fees | $32,500 |
Filed as: PRINCIPAL Service code 49 · EIN 42-0127290 | Other Services | $22,361 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $511,525 | $91,474+459.2% | $135,982+276.2% | $71,529+615.1% |
| Participation rate | 92.7% | 75.7%+17.0pp | 81.9%+10.7pp | 67.9%+24.7pp |
| Annual return | 15.19% | 29.89%-14.7pp | 68.32%-53.1pp | 28.97%-13.8pp |
| Employer contribution / active EE | $32,130 | $3,705+767.1% | $4,859+561.2% | $2,590+1140.6% |
| Participant deferral / active EE | $6,199 | $7,095-12.6% | $7,760-20.1% | $4,291+44.5% |
| Admin fee / account holder | $344 | $1,267-72.8% | $10,767-96.8% | $1,588-78.3% |