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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $39,599 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $20,197 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,664 | $85,135-74.6% | $98,920-78.1% | $73,412-70.5% |
| Participation rate | 66.7% | 81.1%-14.5pp | 76.0%-9.4pp | 72.2%-5.5pp |
| Annual return | 9.77% | 19.14%-9.4pp | 196.47%-186.7pp | 59.30%-49.5pp |
| Employer contribution / active EE | $666 | $2,721-75.5% | $2,689-75.2% | $2,234-70.2% |
| Participant deferral / active EE | $2,321 | $4,349-46.6% | $4,245-45.3% | $3,806-39.0% |
| Admin fee / account holder | $186 | $139+33.5% | $6,643-97.2% | $158+17.7% |