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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $11,502 |
CEA, LLP1+ years Filed as: CEA LLP Service code 10 · EIN 33-0927536 | Accounting | $8,250 |
NATIONAL PLANNING CORPORATION1+ years Service code 49 · EIN 38-3023534 | Other Services | $0 |
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.)
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 | $53,589 | $54,320-1.3% | $67,653-20.8% | $52,331+2.4% |
| Participation rate | 30.7% | 73.6%-42.9pp | 75.7%-44.9pp | 68.1%-37.4pp |
| Annual return | -1.68% | 6.81%-8.5pp | 6625.22%-6626.9pp | 4.54%-6.2pp |
| Employer contribution / active EE | $546 | $1,544-64.6% | $2,266-75.9% | $1,882-71.0% |
| Participant deferral / active EE | $1,603 | $2,950-45.7% | $3,560-55.0% | $3,022-47.0% |
| Admin fee / account holder | $380 | $527-27.9% | $4,821-92.1% | $592-35.8% |