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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $25,892 |
Service code 49 · EIN 51-6041053 | Other Services | $12,661 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $145,692 | $72,027+102.3% | $185,861-21.6% | $79,856+82.4% |
| Participation rate | 61.0% | 65.8%-4.7pp | 78.0%-17.0pp | 69.6%-8.6pp |
| Annual return | 8.29% | 23.13%-14.8pp | 35.96%-27.7pp | 31.71%-23.4pp |
| Employer contribution / active EE | $1,990 | $1,965+1.3% | $4,088-51.3% | $2,471-19.5% |
| Participant deferral / active EE | $3,914 | $3,780+3.6% | $5,634-30.5% | $3,741+4.6% |
| Admin fee / account holder | $398 | $4,513-91.2% | $9,503-95.8% | $5,306-92.5% |