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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 | $29,525+84.4% | $56,033-2.8% | $77,736-30.0% |
| Participation rate | 23.1% | 32.7%-9.5pp | 52.5%-29.4pp | 70.6%-47.5pp |
| Annual return | 12.38% | 18.90%-6.5pp | 1711.38%-1699.0pp | 31.26%-18.9pp |
| Employer contribution / active EE | $430 | $569-24.4% | $1,041-58.7% | $2,728-84.2% |
| Participant deferral / active EE | $1,293 | $1,062+21.8% | $1,954-33.8% | $4,651-72.2% |
| Admin fee / account holder | $304 | $1,040-70.8% | $2,827-89.2% | $433-29.8% |