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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $20,026 |
BUSINESS SOLUTIONS INC10+ years Service code 49 · EIN 54-1942298 | Other Services | $1,192 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $47,646 | $53,216-10.5% | $155,534-69.4% | $199,960-76.2% |
| Participation rate | 12.7% | 64.1%-51.4pp | 78.2%-65.5pp | 72.0%-59.3pp |
| Annual return | 11.25% | 41.18%-29.9pp | 64.92%-53.7pp | 34.28%-23.0pp |
| Employer contribution / active EE | $0 | $1,848-100.0% | $4,675-100.0% | $3,036-100.0% |
| Participant deferral / active EE | $577 | $3,164-81.8% | $5,630-89.7% | $5,087-88.7% |
| Admin fee / account holder | $101 | $186-45.5% | $15,900-99.4% | $269-62.4% |