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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $57,036 |
Service code 27 · EIN 33-0843823 | Advisory (Plan) | $27,292 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,025 | $53,236-7.9% | $86,233-43.1% | $103,975-52.8% |
| Participation rate | 7.3% | 34.4%-27.0pp | 69.0%-61.7pp | 72.5%-65.2pp |
| Annual return | 18.11% | 16.04%+2.1pp | 61.39%-43.3pp | 19.41%-1.3pp |
| Employer contribution / active EE | $55 | $1,362-96.0% | $2,504-97.8% | $3,722-98.5% |
| Participant deferral / active EE | $318 | $2,309-86.2% | $4,559-93.0% | $5,343-94.0% |
| Admin fee / account holder | $352 | $2,172-83.8% | $8,342-95.8% | $332+5.9% |