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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $567 |
Service code 49 · EIN 52-2114207 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $68,998 | $47,969+43.8% | $85,969-19.7% | $52,331+31.9% |
| Participation rate | 19.4% | 61.7%-42.3pp | 76.5%-57.1pp | 68.1%-48.7pp |
| Annual return | -0.17% | -0.13%0pp | 9.32%-9.5pp | 4.54%-4.7pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $3,474-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $967 | $2,110-54.2% | $3,829-74.8% | $3,022-68.0% |
| Admin fee / account holder | $10 | $530-98.2% | $6,053-99.8% | $592-98.4% |