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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $79,278 |
Service code 27 · EIN 36-4291971 | Advisory (Plan) | $24,990 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $103,102 | $89,435+15.3% | $164,975-37.5% | $77,714+32.7% |
| Participation rate | 76.3% | 78.6%-2.3pp | 78.6%-2.3pp | 70.6%+5.7pp |
| Annual return | 12.93% | 28.82%-15.9pp | 70.12%-57.2pp | 31.26%-18.3pp |
| Employer contribution / active EE | $1,019 | $2,563-60.2% | $4,343-76.5% | $2,727-62.6% |
| Participant deferral / active EE | $5,720 | $4,901+16.7% | $6,033-5.2% | $4,649+23.0% |
| Admin fee / account holder | $363 | $340+7.0% | $12,688-97.1% | $433-16.1% |