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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $25,744 |
Filed as: ONEDIGITAL INVESTMENT ADVISORS Service code 27 · EIN 43-1451524 | Advisory (Plan) | $18,784 |
WORKPLACE BENEFITS, INC.9+ years Service code 49 · EIN 22-3719429 | Other Services | $11,283 |
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 | $86,250 | $58,264+48.0% | $86,617-0.4% | $71,495+20.6% |
| Participation rate | 67.1% | 65.0%+2.1pp | 71.7%-4.6pp | 67.9%-0.9pp |
| Annual return | 17.84% | 21.63%-3.8pp | 591.91%-574.1pp | 28.85%-11.0pp |
| Employer contribution / active EE | $1,063 | $2,574-58.7% | $3,023-64.8% | $2,589-58.9% |
| Participant deferral / active EE | $4,343 | $3,436+26.4% | $4,437-2.1% | $4,291+1.2% |
| Admin fee / account holder | $343 | $1,057-67.6% | $5,613-93.9% | $1,588-78.4% |