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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $15,823 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $5,449 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,527 | $73,848-69.5% | $143,799-84.3% | $68,486-67.1% |
| Participation rate | 41.9% | 66.7%-24.8pp | 80.3%-38.5pp | 67.9%-26.0pp |
| Annual return | -13.47% | 0.91%-14.4pp | -0.04%-13.4pp | -7.85%-5.6pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,192 | $3,385-64.8% | $5,638-78.9% | $4,028-70.4% |
| Admin fee / account holder | $323 | $5,755-94.4% | $14,677-97.8% | $5,404-94.0% |