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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $19,048 |
Service code 27 · EIN 04-2675571 | Advisory (Plan) | $16,410 |
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).
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 | $57,752 | $98,766-41.5% | $149,730-61.4% | $79,852-27.7% |
| Participation rate | 39.4% | 75.8%-36.4pp | 82.5%-43.1pp | 69.6%-30.2pp |
| Annual return | 18.18% | 27.43%-9.3pp | 276.70%-258.5pp | 31.72%-13.5pp |
| Employer contribution / active EE | $1,965 | $3,217-38.9% | $4,645-57.7% | $2,471-20.5% |
| Participant deferral / active EE | $4,300 | $5,681-24.3% | $6,843-37.2% | $3,740+15.0% |
| Admin fee / account holder | $323 | $6,052-94.7% | $9,310-96.5% | $5,306-93.9% |