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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $18,070 |
Service code 13 · EIN 39-1816008 | Contract Administrator | $8,486 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $10,430 | $61,166-82.9% | $185,849-94.4% | $79,391-86.9% |
| Participation rate | 81.5% | 66.6%+14.9pp | 81.7%-0.2pp | 70.7%+10.8pp |
| Annual return | 12.71% | 19.45%-6.7pp | 122.10%-109.4pp | 116.88%-104.2pp |
| Employer contribution / active EE | $860 | $2,321-63.0% | $5,169-83.4% | $2,428-64.6% |
| Participant deferral / active EE | $1,979 | $2,789-29.0% | $5,569-64.5% | $4,046-51.1% |
| Admin fee / account holder | $164 | $710-76.9% | $16,244-99.0% | $627-73.8% |