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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $24,861 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $154,527 | $70,418+119.4% | $96,570+60.0% | $85,847+80.0% |
| Participation rate | 56.0% | 61.8%-5.9pp | 69.8%-13.9pp | 69.3%-13.4pp |
| Annual return | 13.07% | 18.59%-5.5pp | 37.79%-24.7pp | 318.61%-305.5pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,934 | $2,894+70.5% | $3,849+28.2% | $3,952+24.8% |
| Admin fee / account holder | $414 | $4,995-91.7% | $6,182-93.3% | $6,261-93.4% |