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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $14,570 |
Service code 49 · EIN 74-2794194 | Other Services | $10,431 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,650 | $36,767+7.8% | $81,473-51.3% | $62,293-36.3% |
| Participation rate | 48.6% | 54.4%-5.9pp | 68.0%-19.4pp | 69.5%-20.9pp |
| Annual return | 24.01% | 173.80%-149.8pp | 38.78%-14.8pp | 28.90%-4.9pp |
| Employer contribution / active EE | $503 | $1,128-55.5% | $2,568-80.4% | $2,042-75.4% |
| Participant deferral / active EE | $2,140 | $2,111+1.4% | $3,537-39.5% | $3,169-32.5% |
| Admin fee / account holder | $131 | $797-83.5% | $4,561-97.1% | $479-72.6% |