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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $42,092 |
PSI ADVISORS LLC3 years Service code 27 · EIN 81-4230782 | Advisory (Plan) | $15,596 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $32,039 | $69,708-54.0% | $67,560-52.6% | $74,478-57.0% |
| Participation rate | 46.6% | 71.4%-24.8pp | 72.9%-26.3pp | 67.2%-20.6pp |
| Annual return | 12.03% | -40.67%+52.7pp | 3533.50%-3521.5pp | 1370.56%-1358.5pp |
| Employer contribution / active EE | $616 | $2,715-77.3% | $2,737-77.5% | $2,626-76.5% |
| Participant deferral / active EE | $1,521 | $3,637-58.2% | $4,004-62.0% | $4,350-65.0% |
| Admin fee / account holder | $305 | $887-65.6% | $3,994-92.4% | $1,946-84.3% |