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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $66,428 |
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 | $47,489 | $50,919-6.7% | $155,556-69.5% | $77,762-38.9% |
| Participation rate | 58.1% | 63.1%-5.0pp | 78.2%-20.1pp | 70.6%-12.5pp |
| Annual return | 12.14% | 34.84%-22.7pp | 64.84%-52.7pp | 31.27%-19.1pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $3,348 | $2,824+18.5% | $5,631-40.5% | $4,651-28.0% |
| Admin fee / account holder | $413 | $437-5.5% | $15,885-97.4% | $433-4.7% |