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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $37,647 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $12,117 |
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.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,161 | $55,437-31.2% | $155,534-75.5% | $74,459-48.7% |
| Participation rate | 45.6% | 61.9%-16.3pp | 78.2%-32.6pp | 67.2%-21.6pp |
| Annual return | 14.09% | 269.58%-255.5pp | 64.92%-50.8pp | 1369.70%-1355.6pp |
| Employer contribution / active EE | $1,213 | $2,266-46.5% | $4,675-74.1% | $2,626-53.8% |
| Participant deferral / active EE | $2,659 | $2,837-6.3% | $5,630-52.8% | $4,350-38.9% |
| Admin fee / account holder | $359 | $1,742-79.4% | $15,900-97.7% | $1,945-81.6% |