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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $60,372 |
Service code 27 · EIN 36-4291971 | Advisory (Plan) | $19,927 |
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 | $57,675 | $59,467-3.0% | $93,727-38.5% | $74,478-22.6% |
| Participation rate | 67.5% | 59.6%+7.9pp | 68.7%-1.2pp | 67.2%+0.3pp |
| Annual return | 13.68% | 82.14%-68.5pp | 133.83%-120.2pp | 1370.56%-1356.9pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,421-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $4,815 | $3,052+57.8% | $4,417+9.0% | $4,350+10.7% |
| Admin fee / account holder | $385 | $3,028-87.3% | $8,292-95.4% | $1,946-80.2% |