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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $30,171 |
Filed as: ONEDIGITAL INVESTMENT ADVISORS Service code 27 · EIN 43-1451524 | Advisory (Plan) | $30,071 |
WORKPLACE BENEFITS, INC.10+ years Service code 49 · EIN 22-3719429 | Other Services | $15,641 |
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 | $94,376 | $60,305+56.5% | $81,780+15.4% | $74,400+26.8% |
| Participation rate | 65.5% | 62.9%+2.6pp | 72.4%-6.9pp | 67.2%-1.7pp |
| Annual return | 14.96% | 16.89%-1.9pp | 776.27%-761.3pp | 1367.51%-1352.6pp |
| Employer contribution / active EE | $1,100 | $2,623-58.1% | $2,914-62.3% | $2,624-58.1% |
| Participant deferral / active EE | $4,665 | $3,390+37.6% | $4,321+8.0% | $4,348+7.3% |
| Admin fee / account holder | $467 | $1,484-68.5% | $7,384-93.7% | $1,944-76.0% |