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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $54,617 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 49 · EIN 26-4310632 | Other Services | $10,156 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,027 | $91,439-36.5% | $135,974-57.3% | $71,511-18.9% |
| Participation rate | 38.4% | 75.7%-37.3pp | 81.9%-43.5pp | 67.9%-29.6pp |
| Annual return | 18.86% | 29.90%-11.0pp | 68.30%-49.4pp | 28.86%-10.0pp |
| Employer contribution / active EE | $791 | $3,705-78.7% | $4,859-83.7% | $2,589-69.5% |
| Participant deferral / active EE | $3,246 | $7,093-54.2% | $7,760-58.2% | $4,291-24.3% |
| Admin fee / account holder | $377 | $1,267-70.3% | $10,767-96.5% | $1,588-76.3% |