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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $53,727 |
Service code 27 · EIN 36-4291971 | Advisory (Plan) | $16,123 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $123,504 | $36,002+243.0% | $161,489-23.5% | $64,728+90.8% |
| Participation rate | 45.3% | 57.4%-12.1pp | 78.7%-33.3pp | 57.9%-12.5pp |
| Annual return | 11.55% | 33.93%-22.4pp | 89.72%-78.2pp | 49.38%-37.8pp |
| Employer contribution / active EE | $886 | $1,380-35.8% | $4,268-79.2% | $2,243-60.5% |
| Participant deferral / active EE | $3,222 | $1,815+77.5% | $5,630-42.8% | $2,729+18.1% |
| Admin fee / account holder | $371 | $931-60.2% | $16,006-97.7% | $1,145-67.6% |