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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $10,073 |
CETERA ADVISOR NETWORKS LLC4+ years Filed as: CETERA ADVISORS INSURANCE SERVICES Service code 49 · EIN 94-3145434 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $39,906 | $59,186-32.6% | $76,766-48.0% | $56,287-29.1% |
| Participation rate | 27.4% | 75.2%-47.8pp | 77.0%-49.5pp | 69.9%-42.4pp |
| Annual return | -4.50% | 6.62%-11.1pp | 2.43%-6.9pp | -9.96%+5.5pp |
| Employer contribution / active EE | $0 | $1,759-100.0% | $2,485-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $482 | $3,255-85.2% | $3,851-87.5% | $3,350-85.6% |
| Admin fee / account holder | $429 | $489-12.4% | $6,675-93.6% | $521-17.7% |