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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $48,097 |
Service code 27 · EIN 71-0927304 | Advisory (Plan) | $31,155 |
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.)
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 | $57,162 | $37,196+53.7% | $154,114-62.9% | $55,725+2.6% |
| Participation rate | 30.8% | 64.1%-33.3pp | 83.0%-52.3pp | 70.9%-40.1pp |
| Annual return | -3.08% | 1319.68%-1322.8pp | 735.16%-738.2pp | 244.93%-248.0pp |
| Employer contribution / active EE | $641 | $1,614-60.3% | $5,298-87.9% | $2,078-69.2% |
| Participant deferral / active EE | $1,307 | $2,068-36.8% | $5,081-74.3% | $3,356-61.0% |
| Admin fee / account holder | $325 | $102+219.9% | $13,411-97.6% | $115+182.1% |