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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $22,755 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $28,558 | $29,525-3.3% | $56,033-49.0% | $77,736-63.3% |
| Participation rate | 16.9% | 32.7%-15.7pp | 52.5%-35.6pp | 70.6%-53.7pp |
| Annual return | 15.33% | 18.90%-3.6pp | 1711.38%-1696.0pp | 31.26%-15.9pp |
| Employer contribution / active EE | $238 | $569-58.2% | $1,041-77.2% | $2,728-91.3% |
| Participant deferral / active EE | $824 | $1,062-22.3% | $1,954-57.8% | $4,651-82.3% |
| Admin fee / account holder | $135 | $1,040-87.1% | $2,827-95.2% | $433-68.9% |