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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,120 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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 | $31,607 | $80,753-60.9% | $136,298-76.8% | $62,293-49.3% |
| Participation rate | 62.9% | 73.5%-10.6pp | 81.9%-19.0pp | 69.5%-6.6pp |
| Annual return | 24.76% | 35.83%-11.1pp | 5156.27%-5131.5pp | 28.90%-4.1pp |
| Employer contribution / active EE | $842 | $2,884-70.8% | $4,696-82.1% | $2,042-58.8% |
| Participant deferral / active EE | $3,628 | $5,164-29.7% | $6,247-41.9% | $3,169+14.5% |
| Admin fee / account holder | $11 | $525-97.9% | $9,244-99.9% | $479-97.7% |