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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $24,624 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $105,420 | $73,102+44.2% | $123,552-14.7% | $56,287+87.3% |
| Participation rate | 65.7% | 74.3%-8.6pp | 82.3%-16.6pp | 69.9%-4.1pp |
| Annual return | -8.60% | 3.01%-11.6pp | 119.20%-127.8pp | -9.96%+1.4pp |
| Employer contribution / active EE | $1,664 | $2,977-44.1% | $4,628-64.1% | $2,111-21.2% |
| Participant deferral / active EE | $4,272 | $5,423-21.2% | $6,426-33.5% | $3,350+27.5% |
| Admin fee / account holder | $246 | $554-55.5% | $9,285-97.3% | $521-52.7% |