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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,802 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $31,174 | $60,139-48.2% | $90,461-65.5% | $79,856-61.0% |
| Participation rate | 56.4% | 65.0%-8.6pp | 72.7%-16.3pp | 69.6%-13.3pp |
| Annual return | 9.02% | 71.96%-62.9pp | 1294.76%-1285.7pp | 31.71%-22.7pp |
| Employer contribution / active EE | $682 | $2,069-67.0% | $3,264-79.1% | $2,471-72.4% |
| Participant deferral / active EE | $839 | $2,939-71.5% | $3,964-78.8% | $3,741-77.6% |
| Admin fee / account holder | $47 | $3,978-98.8% | $5,617-99.2% | $5,306-99.1% |