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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 | $101,591-1.6% | $147,096-32.0% | $74,429+34.4% |
| Participation rate | 47.4% | 75.5%-28.2pp | 82.2%-34.8pp | 67.2%-19.8pp |
| Annual return | 14.88% | 8746.45%-8731.6pp | 419.75%-404.9pp | 1368.38%-1353.5pp |
| Employer contribution / active EE | $728 | $3,813-80.9% | $4,936-85.3% | $2,625-72.3% |
| Participant deferral / active EE | $3,738 | $7,302-48.8% | $8,071-53.7% | $4,348-14.0% |
| Admin fee / account holder | $465 | $1,750-73.4% | $13,005-96.4% | $1,944-76.1% |