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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 | $45,343+1673.7% | $150,298+435.1% | $67,986+1083.0% |
| Participation rate | 3.8% | 51.9%-48.0pp | 77.8%-74.0pp | 57.2%-53.4pp |
| Annual return | 10.83% | 33.28%-22.4pp | 62.79%-52.0pp | 31.67%-20.8pp |
| Employer contribution / active EE | $3,298 | $1,462+125.6% | $4,154-20.6% | $2,019+63.4% |
| Participant deferral / active EE | $2,582 | $2,055+25.7% | $5,453-52.7% | $3,358-23.1% |
| Admin fee / account holder | $786 | $2,250-65.1% | $14,116-94.4% | $3,203-75.5% |