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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $34,997 |
Filed as: MERRILL LYNCH Service code 17 · EIN 13-5674085 | Pension Consulting | $14,410 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $49,028 | $48,053+2.0% | $84,623-42.1% | $72,983-32.8% |
| Participation rate | 50.6% | 57.6%-6.9pp | 68.2%-17.6pp | 69.5%-18.8pp |
| Annual return | 19.07% | 37.39%-18.3pp | 258.77%-239.7pp | 81.01%-61.9pp |
| Employer contribution / active EE | $2,757 | $1,602+72.1% | $2,652+3.9% | $2,440+13.0% |
| Participant deferral / active EE | $3,140 | $2,681+17.1% | $3,899-19.5% | $3,608-13.0% |
| Admin fee / account holder | $610 | $3,395-82.0% | $4,913-87.6% | $5,124-88.1% |