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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $29,119 |
Filed as: AMERICAN PORTFOLIOS FINANCIAL SERVI Service code 49 · EIN 11-3018002 | Other Services | $3,138 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $125,076 | $79,181+58.0% | $102,423+22.1% | $74,429+68.0% |
| Participation rate | 71.2% | 74.8%-3.6pp | 76.5%-5.3pp | 67.2%+3.9pp |
| Annual return | 12.27% | 54.97%-42.7pp | 29.42%-17.2pp | 1368.38%-1356.1pp |
| Employer contribution / active EE | $460 | $2,362-80.5% | $3,023-84.8% | $2,625-82.5% |
| Participant deferral / active EE | $3,806 | $4,416-13.8% | $5,054-24.7% | $4,348-12.5% |
| Admin fee / account holder | $324 | $2,002-83.8% | $9,455-96.6% | $1,944-83.4% |