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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $61,874 |
Service code 49 · EIN 51-6041053 | Other Services | $41,590 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,499 | $91,621-46.0% | $67,511-26.7% | $77,671-36.3% |
| Participation rate | 49.8% | 76.0%-26.2pp | 72.9%-23.1pp | 70.6%-20.8pp |
| Annual return | 13.04% | 14.87%-1.8pp | 3517.41%-3504.4pp | 31.21%-18.2pp |
| Employer contribution / active EE | $1,913 | $3,184-39.9% | $2,733-30.0% | $2,726-29.8% |
| Participant deferral / active EE | $2,049 | $3,906-47.6% | $4,000-48.8% | $4,648-55.9% |
| Admin fee / account holder | $340 | $176+92.9% | $3,999-91.5% | $430-21.0% |