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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $21,958 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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).
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 | $32,443 | $55,002-41.0% | $59,883-45.8% | $56,287-42.4% |
| Participation rate | 67.7% | 75.9%-8.2pp | 74.7%-7.0pp | 69.9%-2.2pp |
| Annual return | 12.61% | 1.13%+11.5pp | 3.46%+9.2pp | -9.96%+22.6pp |
| Employer contribution / active EE | $892 | $2,448-63.6% | $2,722-67.2% | $2,111-57.7% |
| Participant deferral / active EE | $1,344 | $3,121-56.9% | $3,402-60.5% | $3,350-59.9% |
| Admin fee / account holder | $166 | $236-29.4% | $3,591-95.4% | $521-68.1% |