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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $6,270 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $804,257 | $41,016+1860.8% | $152,093+428.8% | $64,097+1154.7% |
| Participation rate | 3.8% | 51.3%-47.5pp | 77.8%-74.0pp | 55.2%-51.4pp |
| Annual return | 10.83% | 39.60%-28.8pp | 66.36%-55.5pp | 34.64%-23.8pp |
| Employer contribution / active EE | $3,298 | $1,342+145.7% | $4,175-21.0% | $1,891+74.4% |
| Participant deferral / active EE | $2,582 | $1,927+33.9% | $5,451-52.6% | $3,080-16.2% |
| Admin fee / account holder | $786 | $2,305-65.9% | $14,497-94.6% | $3,454-77.2% |