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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $34,187 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH ADVIS Service code 27 · EIN 20-1665305 | Advisory (Plan) | $10,685 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,903 | $69,774-48.5% | $67,561-46.9% | $74,429-51.8% |
| Participation rate | 54.8% | 71.4%-16.6pp | 72.9%-18.1pp | 67.2%-12.4pp |
| Annual return | 10.85% | -40.53%+51.4pp | 3525.44%-3514.6pp | 1368.38%-1357.5pp |
| Employer contribution / active EE | $515 | $2,710-81.0% | $2,735-81.2% | $2,625-80.4% |
| Participant deferral / active EE | $1,811 | $3,636-50.2% | $4,003-54.8% | $4,348-58.4% |
| Admin fee / account holder | $320 | $890-64.1% | $4,006-92.0% | $1,944-83.6% |