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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $16,732 |
401(K) ADVISORS INC1+ years Service code 27 · EIN 33-0905143 | Advisory (Plan) | $8,306 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $80,316 | $39,245+104.7% | $64,105+25.3% | $52,331+53.5% |
| Participation rate | 16.3% | 58.2%-42.0pp | 68.2%-51.9pp | 68.1%-51.8pp |
| Annual return | -1.57% | 14.79%-16.4pp | 791.24%-792.8pp | 4.54%-6.1pp |
| Employer contribution / active EE | $171 | $736-76.8% | $1,820-90.6% | $1,882-90.9% |
| Participant deferral / active EE | $515 | $1,992-74.2% | $2,822-81.8% | $3,022-83.0% |
| Admin fee / account holder | $761 | $592+28.4% | $4,499-83.1% | $592+28.6% |