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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,950 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $20,978 | $50,637-58.6% | $86,582-75.8% | $62,293-66.3% |
| Participation rate | 68.1% | 67.9%+0.3pp | 73.5%-5.4pp | 69.5%-1.4pp |
| Annual return | 13.52% | 20.80%-7.3pp | 965.08%-951.6pp | 28.90%-15.4pp |
| Employer contribution / active EE | $0 | $2,075-100.0% | $2,839-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,209 | $2,611-15.4% | $3,609-38.8% | $3,169-30.3% |
| Admin fee / account holder | $35 | $413-91.4% | $4,904-99.3% | $479-92.6% |