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| Provider | Service type | Compensation |
|---|---|---|
Service code 17 · EIN 13-5674085 | Pension Consulting | $32,220 |
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $29,989 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,297 | $89,465-34.8% | $164,866-64.6% | $77,671-24.9% |
| Participation rate | 41.0% | 78.6%-37.6pp | 78.6%-37.6pp | 70.6%-29.6pp |
| Annual return | 13.50% | 28.81%-15.3pp | 69.97%-56.5pp | 31.21%-17.7pp |
| Employer contribution / active EE | $1,085 | $2,568-57.8% | $4,343-75.0% | $2,726-60.2% |
| Participant deferral / active EE | $2,169 | $4,897-55.7% | $6,033-64.1% | $4,648-53.3% |
| Admin fee / account holder | $490 | $340+44.3% | $12,689-96.1% | $430+13.8% |