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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $26,549 |
Service code 49 · EIN 74-2794194 | Other Services | $6,368 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,156 | $65,092-49.1% | $143,799-76.9% | $66,938-50.5% |
| Participation rate | 37.5% | 65.2%-27.7pp | 80.3%-42.8pp | 69.8%-32.3pp |
| Annual return | -12.31% | -11.14%-1.2pp | -0.04%-12.3pp | 1.58%-13.9pp |
| Employer contribution / active EE | $752 | $2,362-68.2% | $4,952-84.8% | $2,545-70.5% |
| Participant deferral / active EE | $1,375 | $2,920-52.9% | $5,638-75.6% | $4,238-67.6% |
| Admin fee / account holder | $255 | $502-49.2% | $14,677-98.3% | $594-57.0% |