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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $60,522 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $23,500 |
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.)
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 | $54,441 | $29,546+84.3% | $56,441-3.5% | $77,671-29.9% |
| Participation rate | 23.1% | 32.7%-9.5pp | 52.5%-29.4pp | 70.6%-47.4pp |
| Annual return | 12.38% | 19.01%-6.6pp | 1704.21%-1691.8pp | 31.21%-18.8pp |
| Employer contribution / active EE | $430 | $568-24.3% | $1,039-58.6% | $2,726-84.2% |
| Participant deferral / active EE | $1,293 | $1,061+21.9% | $1,953-33.8% | $4,648-72.2% |
| Admin fee / account holder | $304 | $1,046-70.9% | $2,829-89.3% | $430-29.3% |