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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $136,567 |
Service code 27 · EIN 46-5576228 | Advisory (Plan) | $65,835 |
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.)
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 | $70,055 | $56,503+24.0% | $70,098-0.1% | $64,814+8.1% |
| Participation rate | 55.7% | 70.5%-14.7pp | 70.5%-14.8pp | 71.5%-15.7pp |
| Annual return | -9.94% | -13.44%+3.5pp | 190.76%-200.7pp | 32.84%-42.8pp |
| Employer contribution / active EE | $2,231 | $2,046+9.0% | $2,560-12.9% | $2,507-11.0% |
| Participant deferral / active EE | $5,049 | $3,389+49.0% | $3,849+31.2% | $4,310+17.1% |
| Admin fee / account holder | $308 | $160+92.3% | $6,266-95.1% | $188+64.1% |