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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $22,491 |
HAYS COMPANIES3 years Filed as: HAYS FINANCIAL GROUP, LLC Service code 27 · EIN 41-1931920 | Advisory (Plan) | $20,532 |
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,851 | $79,209-69.9% | $102,434-76.7% | $74,459-68.0% |
| Participation rate | 58.1% | 74.8%-16.7pp | 76.5%-18.4pp | 67.2%-9.2pp |
| Annual return | 14.35% | 54.98%-40.6pp | 29.46%-15.1pp | 1369.70%-1355.4pp |
| Employer contribution / active EE | $1,050 | $2,362-55.6% | $3,023-65.3% | $2,626-60.0% |
| Participant deferral / active EE | $2,187 | $4,417-50.5% | $5,055-56.7% | $4,350-49.7% |
| Admin fee / account holder | $324 | $2,002-83.8% | $9,462-96.6% | $1,945-83.4% |