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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $5,236 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $5,106 | $33,914-84.9% | $63,412-91.9% | $52,331-90.2% |
| Participation rate | 63.8% | 59.6%+4.2pp | 67.1%-3.3pp | 68.1%-4.3pp |
| Annual return | -4.04% | 3.22%-7.3pp | 4.04%-8.1pp | 4.54%-8.6pp |
| Employer contribution / active EE | $265 | $1,121-76.4% | $1,814-85.4% | $1,882-85.9% |
| Participant deferral / active EE | $1,222 | $1,733-29.5% | $2,496-51.0% | $3,022-59.5% |
| Admin fee / account holder | $53 | $353-85.0% | $3,753-98.6% | $592-91.1% |