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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $5,973 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,558 | $58,895-92.3% | $178,503-97.4% | $73,497-93.8% |
| Participation rate | 68.3% | 66.2%+2.1pp | 81.9%-13.6pp | 70.7%-2.4pp |
| Annual return | 15.73% | 24.86%-9.1pp | 151.12%-135.4pp | 28.51%-12.8pp |
| Employer contribution / active EE | $397 | $2,236-82.2% | $5,011-92.1% | $2,270-82.5% |
| Participant deferral / active EE | $581 | $2,567-77.4% | $5,202-88.8% | $3,740-84.5% |
| Admin fee / account holder | $47 | $400-88.2% | $13,987-99.7% | $513-90.8% |