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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $31,695 |
ORENDA RETIREMENT, LLC3+ years Service code 13 · EIN 36-4877979 | Contract Administrator | $25,640 |
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.
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 | $53,675 | $88,203-39.1% | $165,100-67.5% | $74,478-27.9% |
| Participation rate | 45.1% | 73.1%-28.0pp | 78.6%-33.5pp | 67.2%-22.1pp |
| Annual return | 9.07% | 17.13%-8.1pp | 70.21%-61.1pp | 1370.56%-1361.5pp |
| Employer contribution / active EE | $1,185 | $2,601-54.4% | $4,348-72.7% | $2,626-54.9% |
| Participant deferral / active EE | $2,670 | $4,505-40.7% | $6,035-55.8% | $4,350-38.6% |
| Admin fee / account holder | $315 | $2,235-85.9% | $12,696-97.5% | $1,946-83.8% |