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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $30,147 |
Filed as: ONEDIGITAL INVESTMENT ADVISORS Service code 27 · EIN 43-1451524 | Advisory (Plan) | $13,373 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $30,568 | $29,569+3.4% | $56,077-45.5% | $77,714-60.7% |
| Participation rate | 13.9% | 32.6%-18.7pp | 52.5%-38.6pp | 70.6%-56.7pp |
| Annual return | 10.69% | 18.90%-8.2pp | 1709.28%-1698.6pp | 31.26%-20.6pp |
| Employer contribution / active EE | $0 | $569-100.0% | $1,040-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $313 | $1,061-70.5% | $1,954-84.0% | $4,649-93.3% |
| Admin fee / account holder | $458 | $1,042-56.0% | $2,825-83.8% | $433+5.7% |