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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $183,723 |
HARBOR5+ years Filed as: HARBOR INVESTMENT ADVISORY LLC Service code 27 · EIN 90-0497525 | Advisory (Plan) | $42,202 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,968 | $44,898-60.0% | $85,126-78.9% | $199,921-91.0% |
| Participation rate | 26.4% | 45.7%-19.4pp | 67.5%-41.1pp | 72.0%-45.6pp |
| Annual return | 18.05% | 20.98%-2.9pp | 66.63%-48.6pp | 34.28%-16.2pp |
| Employer contribution / active EE | $120 | $1,367-91.2% | $2,731-95.6% | $3,035-96.0% |
| Participant deferral / active EE | $1,111 | $2,670-58.4% | $4,523-75.4% | $5,089-78.2% |
| Admin fee / account holder | $159 | $585-72.9% | $6,160-97.4% | $269-41.0% |