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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $52,520 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $25,725 |
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.)
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 | $100,003 | $101,672-1.6% | $147,117-32.0% | $74,478+34.3% |
| Participation rate | 47.4% | 75.5%-28.2pp | 82.2%-34.8pp | 67.2%-19.9pp |
| Annual return | 14.88% | 8757.83%-8742.9pp | 420.54%-405.7pp | 1370.56%-1355.7pp |
| Employer contribution / active EE | $728 | $3,813-80.9% | $4,932-85.2% | $2,626-72.3% |
| Participant deferral / active EE | $3,738 | $7,305-48.8% | $8,065-53.7% | $4,350-14.1% |
| Admin fee / account holder | $465 | $1,753-73.5% | $12,993-96.4% | $1,946-76.1% |