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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $67,917 |
ACTUARIAL BENEFITS CORP4 years Service code 13 · EIN 20-1054428 2790 SKYPARK DRIVE, SUITE 300 · TORRANCE, CA 90505 | Contract Administrator | $24,901 |
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.
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 | $29,572 | $39,973-26.0% | $79,580-62.8% | $77,906-62.0% |
| Participation rate | 4.9% | 64.6%-59.7pp | 69.5%-64.6pp | 73.7%-68.8pp |
| Annual return | -18.88% | 3.42%-22.3pp | 0.15%-19.0pp | 12.16%-31.0pp |
| Employer contribution / active EE | $0 | $1,088-100.0% | $2,413-100.0% | $2,846-100.0% |
| Participant deferral / active EE | $232 | $2,774-91.6% | $3,985-94.2% | $4,805-95.2% |
| Admin fee / account holder | $307 | $113+172.2% | $6,835-95.5% | $133+131.8% |