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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.)
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 | $43,749+1738.3% | $158,223+408.3% | $65,306+1131.5% |
| Participation rate | 3.8% | 56.9%-53.1pp | 79.2%-75.4pp | 57.7%-53.9pp |
| Annual return | 10.83% | 19.41%-8.6pp | 52.09%-41.3pp | 21.94%-11.1pp |
| Employer contribution / active EE | $3,298 | $1,497+120.2% | $4,109-19.7% | $1,967+67.6% |
| Participant deferral / active EE | $2,582 | $2,019+27.9% | $5,467-52.8% | $2,959-12.8% |
| Admin fee / account holder | $786 | $1,930-59.3% | $16,047-95.1% | $3,480-77.4% |