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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $12,093 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $6,850 | $59,186-88.4% | $76,766-91.1% | $56,287-87.8% |
| Participation rate | 65.8% | 75.2%-9.4pp | 77.0%-11.2pp | 69.9%-4.1pp |
| Annual return | -13.16% | 6.62%-19.8pp | 2.43%-15.6pp | -9.96%-3.2pp |
| Employer contribution / active EE | $518 | $1,759-70.5% | $2,485-79.1% | $2,111-75.5% |
| Participant deferral / active EE | $1,764 | $3,255-45.8% | $3,851-54.2% | $3,350-47.3% |
| Admin fee / account holder | $92 | $489-81.3% | $6,675-98.6% | $521-82.4% |