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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $9,662 |
CES INS AGENCY INC2+ years Service code 49 · EIN 04-2865307 | Other Services | $4,897 |
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 | $52,386 | $48,364+8.3% | $71,796-27.0% | $62,881-16.7% |
| Participation rate | 28.1% | 60.6%-32.5pp | 69.1%-41.0pp | 69.3%-41.2pp |
| Annual return | 13.17% | 13.16%0pp | 78.04%-64.9pp | 20.14%-7.0pp |
| Employer contribution / active EE | $242 | $1,042-76.7% | $1,924-87.4% | $2,281-89.4% |
| Participant deferral / active EE | $1,038 | $2,091-50.3% | $2,794-62.8% | $3,203-67.6% |
| Admin fee / account holder | $322 | $3,771-91.5% | $4,815-93.3% | $4,296-92.5% |