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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $75,733 |
S B H U LIFE AGENCY INC2 years Service code 49 · EIN 13-2896238 | Other Services | $5,459 |
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 | $61,167 | $56,140+9.0% | $76,383-19.9% | $74,478-17.9% |
| Participation rate | 51.9% | 62.6%-10.6pp | 79.3%-27.3pp | 67.2%-15.3pp |
| Annual return | 9.62% | 13.87%-4.3pp | 13.79%-4.2pp | 1370.56%-1360.9pp |
| Employer contribution / active EE | $1,482 | $2,881-48.6% | $4,587-67.7% | $2,626-43.6% |
| Participant deferral / active EE | $3,212 | $3,154+1.8% | $5,474-41.3% | $4,350-26.2% |
| Admin fee / account holder | $583 | $776-24.9% | $5,147-88.7% | $1,946-70.1% |