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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $137,049 |
Service code 27 · EIN 04-2675571 | Advisory (Plan) | $55,802 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $56,041 | $66,501-15.7% | $81,482-31.2% | $77,692-27.9% |
| Participation rate | 72.2% | 68.7%+3.5pp | 69.5%+2.7pp | 70.6%+1.6pp |
| Annual return | 9.44% | 15.93%-6.5pp | 24.79%-15.4pp | 31.25%-21.8pp |
| Employer contribution / active EE | $1,392 | $2,158-35.5% | $2,463-43.5% | $2,726-48.9% |
| Participant deferral / active EE | $2,177 | $3,678-40.8% | $3,885-44.0% | $4,648-53.2% |
| Admin fee / account holder | $319 | $583-45.3% | $5,761-94.5% | $431-26.0% |