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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $46,809 |
Filed as: RESOURCES INVESTMENT ADVISORS INC Service code 27 · EIN 43-1451524 | Advisory (Plan) | $21,311 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,266 | $58,101-23.8% | $118,914-62.8% | $73,412-39.7% |
| Participation rate | 12.7% | 56.1%-43.4pp | 75.4%-62.7pp | 72.2%-59.4pp |
| Annual return | 15.20% | 20.56%-5.4pp | 35.89%-20.7pp | 59.30%-44.1pp |
| Employer contribution / active EE | $412 | $1,445-71.5% | $3,264-87.4% | $2,234-81.6% |
| Participant deferral / active EE | $908 | $2,400-62.2% | $4,266-78.7% | $3,806-76.1% |
| Admin fee / account holder | $426 | $138+208.2% | $6,582-93.5% | $158+169.5% |