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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY11+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $26,474 |
HAYS FINANCIAL GROUP4 years Filed as: HAYS FINANCIAL GROUP, LLC Service code 27 · EIN 41-1931920 | Advisory (Plan) | $24,676 |
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 | $31,764 | $85,515-62.9% | $112,040-71.6% | $67,986-53.3% |
| Participation rate | 64.6% | 68.2%-3.6pp | 76.5%-11.9pp | 57.2%+7.4pp |
| Annual return | 19.69% | 29.68%-10.0pp | 24.52%-4.8pp | 31.67%-12.0pp |
| Employer contribution / active EE | $1,323 | $2,191-39.6% | $2,954-55.2% | $2,019-34.5% |
| Participant deferral / active EE | $2,660 | $4,014-33.7% | $5,098-47.8% | $3,358-20.8% |
| Admin fee / account holder | $423 | $3,774-88.8% | $12,098-96.5% | $3,203-86.8% |