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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $4,206 |
Filed as: VARIABLE ANNUITY LIFE INSURANCE CO Service code 26 · EIN 74-1625348 | Advisory (Participants) | $1,903 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $36,086 | $52,467-31.2% | $57,196-36.9% | $55,167-34.6% |
| Participation rate | 52.9% | 75.8%-22.9pp | 75.3%-22.4pp | 69.0%-16.0pp |
| Annual return | 0.57% | 7.72%-7.2pp | 14.59%-14.0pp | 169.23%-168.7pp |
| Employer contribution / active EE | $0 | $2,477-100.0% | $2,683-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,392 | $2,830-50.8% | $3,096-55.0% | $3,054-54.4% |
| Admin fee / account holder | $78 | $269-70.9% | $3,141-97.5% | $504-84.5% |