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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $7,333 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,673 | $39,243-65.2% | $80,784-83.1% | $79,389-82.8% |
| Participation rate | 29.9% | 41.0%-11.2pp | 54.2%-24.3pp | 70.7%-40.8pp |
| Annual return | 19.98% | 98.95%-79.0pp | 87.31%-67.3pp | 116.89%-96.9pp |
| Employer contribution / active EE | $335 | $593-43.6% | $1,160-71.2% | $2,428-86.2% |
| Participant deferral / active EE | $1,475 | $1,262+16.9% | $2,145-31.2% | $4,046-63.5% |
| Admin fee / account holder | $144 | $647-77.8% | $3,380-95.7% | $626-77.0% |