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| Provider | Service type | Compensation |
|---|---|---|
US BANK1 year Filed as: MUFG UNION BANK NATIONAL ASSN Service code 49 · EIN 94-0304228 | Other Services | $6,861 |
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $5,855 |
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.
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 | $84,184 | $56,544+48.9% | $75,501+11.5% | $70,126+20.0% |
| Participation rate | 43.7% | 68.1%-24.4pp | 72.4%-28.7pp | 69.5%-25.9pp |
| Annual return | 14.89% | 23.59%-8.7pp | 27.35%-12.5pp | 73.15%-58.3pp |
| Employer contribution / active EE | $254 | $1,817-86.0% | $2,352-89.2% | $2,343-89.2% |
| Participant deferral / active EE | $1,932 | $2,580-25.1% | $3,142-38.5% | $3,332-42.0% |
| Admin fee / account holder | $119 | $3,827-96.9% | $5,801-98.0% | $4,645-97.4% |