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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,695 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $10,513 | $51,466-79.6% | $78,778-86.7% | $62,293-83.1% |
| Participation rate | 62.4% | 59.8%+2.6pp | 69.2%-6.8pp | 69.5%-7.1pp |
| Annual return | 16.08% | 19.96%-3.9pp | 35.62%-19.5pp | 28.90%-12.8pp |
| Employer contribution / active EE | $569 | $827-31.3% | $1,986-71.4% | $2,042-72.2% |
| Participant deferral / active EE | $2,342 | $2,147+9.1% | $2,958-20.8% | $3,169-26.1% |
| Admin fee / account holder | $22 | $489-95.4% | $5,134-99.6% | $479-95.4% |