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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $22,503 |
CAMBRIDGE INVESTMENT RESEARCH1+ years Service code 26 1776 PLEASANT PLAIN RD · FAIRFIELD, IA 525568757 | Advisory (Participants) | $19,109 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $93,819 | $75,183+24.8% | $123,894-24.3% | $55,167+70.1% |
| Participation rate | 34.0% | 72.8%-38.8pp | 81.4%-47.4pp | 69.0%-35.0pp |
| Annual return | 9.13% | 19.01%-9.9pp | 47.52%-38.4pp | 169.23%-160.1pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,659 | $5,084-47.7% | $5,984-55.6% | $3,054-12.9% |
| Admin fee / account holder | $570 | $663-14.0% | $8,357-93.2% | $504+13.1% |