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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $533,548 |
FINANCIAL ENGINES1+ years Filed as: EDELMAN FINANCIAL ENGINES, LLC Service code 26 · EIN 94-3250323 | Advisory (Participants) | $69,715 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $286,728 | $52,172+449.6% | $56,033+411.7% | $106,553+169.1% |
| Participation rate | 0.0% | 32.5%-32.5pp | 52.5%-52.5pp | 69.8%-69.8pp |
| Annual return | 13.62% | 17.21%-3.6pp | 1711.38%-1697.8pp | 17.37%-3.7pp |
| Employer contribution / active EE | $106 | $613-82.6% | $1,041-89.8% | $3,359-96.8% |
| Participant deferral / active EE | $601 | $1,424-57.8% | $1,954-69.3% | $5,562-89.2% |
| Admin fee / account holder | $695 | $90+668.5% | $2,827-75.4% | $80+772.9% |