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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $39,653 |
Service code 27 · EIN 81-0635433 | Advisory (Plan) | $9,000 |
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.
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).
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 | $92,855 | $51,466+80.4% | $78,778+17.9% | $62,293+49.1% |
| Participation rate | 63.8% | 59.8%+4.0pp | 69.2%-5.4pp | 69.5%-5.7pp |
| Annual return | 17.30% | 19.96%-2.7pp | 35.62%-18.3pp | 28.90%-11.6pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $3,283 | $2,147+52.9% | $2,958+11.0% | $3,169+3.6% |
| Admin fee / account holder | $558 | $489+14.1% | $5,134-89.1% | $479+16.5% |