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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $16,000 |
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,378 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,784 | $62,723+16.0% | $142,898-49.1% | $86,821-16.2% |
| Participation rate | 66.3% | 62.6%+3.7pp | 72.0%-5.7pp | 72.3%-6.0pp |
| Annual return | 11.71% | 17.62%-5.9pp | 5639.64%-5627.9pp | 97.94%-86.2pp |
| Employer contribution / active EE | $1,635 | $1,627+0.5% | $4,146-60.6% | $2,406-32.1% |
| Participant deferral / active EE | $2,329 | $3,039-23.4% | $3,838-39.3% | $4,132-43.6% |
| Admin fee / account holder | $15 | $140-89.3% | $6,560-99.8% | $170-91.2% |