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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $33,074 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,895 | $49,451+4.9% | $79,580-34.8% | $66,938-22.5% |
| Participation rate | 68.9% | 61.3%+7.6pp | 69.5%-0.5pp | 69.8%-0.9pp |
| Annual return | -20.05% | 84.25%-104.3pp | 0.15%-20.2pp | 1.58%-21.6pp |
| Employer contribution / active EE | $1,400 | $1,266+10.6% | $2,413-42.0% | $2,545-45.0% |
| Participant deferral / active EE | $2,297 | $3,159-27.3% | $3,985-42.4% | $4,238-45.8% |
| Admin fee / account holder | $315 | $595-47.0% | $6,835-95.4% | $594-46.9% |