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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $7,755 |
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $10,600 | $81,870-87.1% | $119,608-91.1% | $68,495-84.5% |
| Participation rate | 92.4% | 71.9%+20.5pp | 79.3%+13.1pp | 67.9%+24.5pp |
| Annual return | -19.32% | -23.82%+4.5pp | -14.98%-4.3pp | -7.84%-11.5pp |
| Employer contribution / active EE | $1,234 | $2,692-54.2% | $4,232-70.8% | $2,596-52.5% |
| Participant deferral / active EE | $2,002 | $4,148-51.7% | $5,601-64.3% | $4,028-50.3% |
| Admin fee / account holder | $87 | $6,583-98.7% | $10,326-99.2% | $5,403-98.4% |