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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $30,441 |
401(K) ADVISORS INC6 years Service code 27 · EIN 33-0905143 | Advisory (Plan) | $14,635 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $30,697 | $60,989-49.7% | $60,919-49.6% | $66,949-54.1% |
| Participation rate | 30.0% | 74.5%-44.5pp | 73.1%-43.1pp | 69.8%-39.9pp |
| Annual return | -10.58% | -9.60%-1.0pp | 16.96%-27.5pp | 1.57%-12.1pp |
| Employer contribution / active EE | $0 | $2,661-100.0% | $2,704-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,034 | $3,615-71.4% | $3,814-72.9% | $4,239-75.6% |
| Admin fee / account holder | $385 | $338+13.8% | $3,228-88.1% | $594-35.1% |