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| Provider | Service type | Compensation |
|---|---|---|
Service code 17 · EIN 13-5674085 | Pension Consulting | $23,454 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $22,410 |
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 | $51,220 | $91,394-44.0% | $130,026-60.6% | $74,440-31.2% |
| Participation rate | 38.6% | 77.8%-39.1pp | 78.5%-39.9pp | 70.7%-32.1pp |
| Annual return | 19.64% | 23.20%-3.6pp | -137.26%+156.9pp | 34.37%-14.7pp |
| Employer contribution / active EE | $1,090 | $2,565-57.5% | $4,321-74.8% | $2,638-58.7% |
| Participant deferral / active EE | $2,113 | $4,721-55.2% | $5,821-63.7% | $4,529-53.3% |
| Admin fee / account holder | $399 | $284+40.7% | $10,608-96.2% | $348+14.7% |