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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $9,388 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,812 | $61,172-23.5% | $185,851-74.8% | $79,389-41.0% |
| Participation rate | 15.0% | 66.6%-51.6pp | 81.7%-66.7pp | 70.7%-55.7pp |
| Annual return | 9.69% | 19.45%-9.8pp | 122.11%-112.4pp | 116.89%-107.2pp |
| Employer contribution / active EE | $0 | $2,321-100.0% | $5,168-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,646 | $2,788-41.0% | $5,569-70.4% | $4,046-59.3% |
| Admin fee / account holder | $215 | $710-69.8% | $16,245-98.7% | $626-65.7% |