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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 | $65,084-51.0% | $67,681-52.9% | $64,340-50.5% |
| Participation rate | 36.3% | 66.7%-30.5pp | 73.7%-37.4pp | 55.2%-19.0pp |
| Annual return | 9.07% | 20.50%-11.4pp | 590.58%-581.5pp | 24.14%-15.1pp |
| Employer contribution / active EE | $286 | $2,398-88.1% | $2,678-89.3% | $1,862-84.6% |
| Participant deferral / active EE | $1,374 | $3,210-57.2% | $3,976-65.4% | $2,980-53.9% |
| Admin fee / account holder | $324 | $1,415-77.1% | $6,100-94.7% | $3,703-91.2% |