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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $42,518 |
S B H U LIFE AGENCY INC7+ years Service code 49 · EIN 13-2896238 | Other Services | $26,358 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $45,305 | $61,166-25.9% | $185,837-75.6% | $79,393-42.9% |
| Participation rate | 54.6% | 66.6%-12.0pp | 81.7%-27.1pp | 70.7%-16.1pp |
| Annual return | 12.64% | 19.45%-6.8pp | 122.08%-109.4pp | 116.87%-104.2pp |
| Employer contribution / active EE | $1,081 | $2,321-53.4% | $5,168-79.1% | $2,428-55.5% |
| Participant deferral / active EE | $2,240 | $2,789-19.7% | $5,568-59.8% | $4,046-44.6% |
| Admin fee / account holder | $304 | $710-57.2% | $16,241-98.1% | $627-51.5% |