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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $30,825 |
Service code 17 · EIN 13-5674085 | Pension Consulting | $13,164 |
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.
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).
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 | $20,379 | $30,086-32.3% | $61,399-66.8% | $64,814-68.6% |
| Participation rate | 23.9% | 36.4%-12.4pp | 52.6%-28.6pp | 71.5%-47.5pp |
| Annual return | -19.68% | -13.99%-5.7pp | 338.81%-358.5pp | 32.84%-52.5pp |
| Employer contribution / active EE | $0 | $536-100.0% | $1,159-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $450 | $1,126-60.0% | $2,124-78.8% | $4,310-89.6% |
| Admin fee / account holder | $326 | $148+120.3% | $2,131-84.7% | $188+73.8% |