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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $45,127 |
Service code 27 · EIN 36-4291971 | Advisory (Plan) | $11,347 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $4,164 | $30,302-86.3% | $58,561-92.9% | $103,590-96.0% |
| Participation rate | 12.2% | 29.5%-17.3pp | 50.9%-38.7pp | 73.3%-61.1pp |
| Annual return | 16.95% | 19.69%-2.7pp | 4251.33%-4234.4pp | 33.13%-16.2pp |
| Employer contribution / active EE | $0 | $512-100.0% | $1,053-100.0% | $3,213-100.0% |
| Participant deferral / active EE | $116 | $1,170-90.1% | $1,923-94.0% | $5,214-97.8% |
| Admin fee / account holder | $65 | $109-39.8% | $2,520-97.4% | $114-42.6% |