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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,546 |
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.
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 | $32,472 | $66,124-50.9% | $90,461-64.1% | $73,497-55.8% |
| Participation rate | 53.1% | 69.7%-16.6pp | 72.7%-19.6pp | 70.7%-17.6pp |
| Annual return | 7.92% | 17.65%-9.7pp | 1294.76%-1286.8pp | 28.51%-20.6pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,264-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,135 | $3,039-29.8% | $3,964-46.2% | $3,740-42.9% |
| Admin fee / account holder | $13 | $396-96.6% | $5,617-99.8% | $513-97.4% |