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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $50,513 |
ICOM ADVISORS LLC4+ years Service code 27 · EIN 27-3622499 | Advisory (Plan) | $14,216 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $67,333 | $89,225-24.5% | $133,698-49.6% | $74,478-9.6% |
| Participation rate | 64.2% | 69.4%-5.2pp | 76.4%-12.2pp | 67.2%-3.0pp |
| Annual return | 9.46% | 22.76%-13.3pp | 580.90%-571.4pp | 1370.56%-1361.1pp |
| Employer contribution / active EE | $1,390 | $2,816-50.6% | $4,218-67.0% | $2,626-47.1% |
| Participant deferral / active EE | $2,448 | $4,597-46.7% | $7,016-65.1% | $4,350-43.7% |
| Admin fee / account holder | $351 | $1,545-77.3% | $6,703-94.8% | $1,946-82.0% |