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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $51,993 |
Service code 27 · EIN 71-0927304 | Advisory (Plan) | $31,984 |
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).
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 | $70,608 | $52,293+35.0% | $178,498-60.4% | $73,412-3.8% |
| Participation rate | 31.2% | 65.3%-34.1pp | 81.9%-50.7pp | 72.2%-41.0pp |
| Annual return | 13.97% | 34.75%-20.8pp | 151.09%-137.1pp | 59.30%-45.3pp |
| Employer contribution / active EE | $746 | $1,735-57.0% | $5,011-85.1% | $2,234-66.6% |
| Participant deferral / active EE | $1,498 | $2,332-35.8% | $5,202-71.2% | $3,806-60.6% |
| Admin fee / account holder | $347 | $127+172.2% | $13,985-97.5% | $158+119.5% |