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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $21,181 |
Service code 17 · EIN 13-5674085 | Pension Consulting | $17,192 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,299 | $83,090-1.0% | $130,062-36.7% | $71,529+15.1% |
| Participation rate | 63.5% | 74.1%-10.6pp | 78.5%-15.0pp | 67.9%-4.4pp |
| Annual return | 23.23% | 20.61%+2.6pp | -137.37%+160.6pp | 28.97%-5.7pp |
| Employer contribution / active EE | $804 | $2,624-69.3% | $4,322-81.4% | $2,590-68.9% |
| Participant deferral / active EE | $4,467 | $4,436+0.7% | $5,821-23.3% | $4,291+4.1% |
| Admin fee / account holder | $343 | $1,727-80.2% | $10,601-96.8% | $1,588-78.4% |