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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,543 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $30,536 | $44,873-31.9% | $79,467-61.6% | $56,289-45.8% |
| Participation rate | 48.5% | 68.7%-20.2pp | 73.3%-24.8pp | 69.9%-21.3pp |
| Annual return | -3.29% | 0.81%-4.1pp | 718.30%-721.6pp | -9.96%+6.7pp |
| Employer contribution / active EE | $563 | $2,140-73.7% | $2,800-79.9% | $2,111-73.3% |
| Participant deferral / active EE | $763 | $2,746-72.2% | $3,704-79.4% | $3,350-77.2% |
| Admin fee / account holder | $68 | $418-83.7% | $5,104-98.7% | $521-86.9% |