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| Provider | Service type | Compensation |
|---|---|---|
Service code 49 · EIN 74-2794194 | Other Services | $5,793 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $4,115 |
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).
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 | $34,160 | $46,732-26.9% | $156,551-78.2% | $55,167-38.1% |
| Participation rate | 69.5% | 65.8%+3.7pp | 84.0%-14.5pp | 69.0%+0.5pp |
| Annual return | 12.57% | 17.72%-5.2pp | 32.23%-19.7pp | 169.23%-156.7pp |
| Employer contribution / active EE | $0 | $2,105-100.0% | $5,501-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,920 | $2,204-12.9% | $4,871-60.6% | $3,054-37.1% |
| Admin fee / account holder | $26 | $418-93.9% | $13,028-99.8% | $504-94.9% |