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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $21,198 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,524 | $60,139-47.6% | $90,461-65.2% | $79,856-60.5% |
| Participation rate | 44.4% | 65.0%-20.5pp | 72.7%-28.2pp | 69.6%-25.2pp |
| Annual return | 10.28% | 71.96%-61.7pp | 1294.76%-1284.5pp | 31.71%-21.4pp |
| Employer contribution / active EE | $845 | $2,069-59.2% | $3,264-74.1% | $2,471-65.8% |
| Participant deferral / active EE | $2,200 | $2,939-25.2% | $3,964-44.5% | $3,741-41.2% |
| Admin fee / account holder | $442 | $3,978-88.9% | $5,617-92.1% | $5,306-91.7% |