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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PRINCIPAL LIFE INSURANCE CO Service code 13 · EIN 42-0127290 | Contract Administrator | $84,977 |
Service code 49 | Other Services | $25,333 |
Service code 13 | Contract Administrator | $7,004 |
Filed as: AMERIPRISE FINANCIAL SERVICES Service code 49 · EIN 51-6041053 | Other Services | $0 |
INDEPENDENT RETIREMENT2 years Service code 13 · EIN 90-0451904 6500 S MACADAM AVENUE STE 100 · PORTLAND, OR 97239 | Contract Administrator | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,622 | $91,407-43.5% | $135,903-62.0% | $71,457-27.8% |
| Participation rate | 36.5% | 75.7%-39.1pp | 81.9%-45.4pp | 67.9%-31.4pp |
| Annual return | 16.07% | 29.90%-13.8pp | 68.23%-52.2pp | 28.85%-12.8pp |
| Employer contribution / active EE | $1,738 | $3,703-53.1% | $4,856-64.2% | $2,588-32.8% |
| Participant deferral / active EE | $3,912 | $7,092-44.8% | $7,758-49.6% | $4,289-8.8% |
| Admin fee / account holder | $480 | $1,266-62.1% | $10,762-95.5% | $1,587-69.8% |