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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $75,773 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $37,570 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $80,332 | $106,110-24.3% | $147,005-45.4% | $77,671+3.4% |
| Participation rate | 55.6% | 78.4%-22.8pp | 82.2%-26.5pp | 70.6%-15.0pp |
| Annual return | 12.68% | 56.77%-44.1pp | 418.76%-406.1pp | 31.21%-18.5pp |
| Employer contribution / active EE | $1,267 | $4,065-68.8% | $4,934-74.3% | $2,726-53.5% |
| Participant deferral / active EE | $3,959 | $7,992-50.5% | $8,070-50.9% | $4,648-14.8% |
| Admin fee / account holder | $349 | $338+3.4% | $13,006-97.3% | $430-18.9% |