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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $191,262 |
Filed as: JP MORGAN PRIVATE Service code 27 · EIN 81-3858870 | Advisory (Plan) | $37,693 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $33,048 | $120,321-72.5% | $147,117-77.5% | $99,313-66.7% |
| Participation rate | 51.7% | 73.4%-21.7pp | 82.2%-30.5pp | 71.7%-20.0pp |
| Annual return | 26.62% | 28.95%-2.3pp | 420.54%-393.9pp | 17.67%+9.0pp |
| Employer contribution / active EE | $2,008 | $4,158-51.7% | $4,932-59.3% | $3,264-38.5% |
| Participant deferral / active EE | $3,956 | $8,044-50.8% | $8,065-50.9% | $5,346-26.0% |
| Admin fee / account holder | $78 | $150-47.9% | $12,993-99.4% | $109-28.3% |