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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $35,021 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH ADVIS Service code 27 · EIN 20-1665305 | Advisory (Plan) | $11,300 |
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.)
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).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,872 | $67,594-52.8% | $77,361-58.8% | $69,733-54.3% |
| Participation rate | 36.3% | 71.7%-35.4pp | 75.0%-38.7pp | 62.5%-26.2pp |
| Annual return | 9.07% | 19.20%-10.1pp | 1011.54%-1002.5pp | 15.22%-6.2pp |
| Employer contribution / active EE | $286 | $2,649-89.2% | $2,990-90.4% | $2,250-87.3% |
| Participant deferral / active EE | $1,374 | $3,401-59.6% | $3,911-64.9% | $3,054-55.0% |
| Admin fee / account holder | $324 | $1,159-72.0% | $5,894-94.5% | $3,102-89.5% |