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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $50,250 |
Service code 27 · EIN 13-2638166 | Advisory (Plan) | $13,615 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,360 | $26,137+20.0% | $58,561-46.4% | $74,460-57.9% |
| Participation rate | 24.2% | 32.2%-8.0pp | 50.9%-26.7pp | 70.7%-46.6pp |
| Annual return | 19.26% | 32.53%-13.3pp | 4251.33%-4232.1pp | 34.38%-15.1pp |
| Employer contribution / active EE | $454 | $537-15.3% | $1,053-56.9% | $2,638-82.8% |
| Participant deferral / active EE | $556 | $1,076-48.3% | $1,923-71.1% | $4,530-87.7% |
| Admin fee / account holder | $316 | $648-51.2% | $2,520-87.5% | $348-9.1% |