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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $57,868 |
Service code 27 · EIN 35-2552359 | Advisory (Plan) | $14,992 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $99,929 | $50,666+97.2% | $76,667+30.3% | $65,186+53.3% |
| Participation rate | 63.9% | 68.8%-4.9pp | 72.1%-8.2pp | 70.2%-6.3pp |
| Annual return | 15.32% | 28.51%-13.2pp | 1166.74%-1151.4pp | 29.39%-14.1pp |
| Employer contribution / active EE | $1,130 | $1,575-28.3% | $2,303-50.9% | $2,177-48.1% |
| Participant deferral / active EE | $2,865 | $2,647+8.2% | $3,336-14.1% | $3,514-18.5% |
| Admin fee / account holder | $442 | $463-4.6% | $6,423-93.1% | $847-47.9% |