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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $16,000 |
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,939 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $57,403 | $47,898+19.8% | $117,529-51.2% | $64,824-11.4% |
| Participation rate | 69.8% | 61.9%+7.9pp | 70.6%-0.9pp | 71.5%-1.7pp |
| Annual return | -15.68% | -15.54%-0.1pp | 29.77%-45.4pp | 32.84%-48.5pp |
| Employer contribution / active EE | $1,662 | $1,774-6.3% | $4,179-60.2% | $2,507-33.7% |
| Participant deferral / active EE | $2,440 | $3,151-22.5% | $4,072-40.1% | $4,311-43.4% |
| Admin fee / account holder | $11 | $132-91.4% | $5,645-99.8% | $188-93.9% |