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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $14,884 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $43,272 | $57,108-24.2% | $94,229-54.1% | $52,331-17.3% |
| Participation rate | 50.0% | 72.9%-22.9pp | 78.8%-28.8pp | 68.1%-18.1pp |
| Annual return | -1.75% | 1.47%-3.2pp | 10.68%-12.4pp | 4.54%-6.3pp |
| Employer contribution / active EE | $657 | $1,735-62.1% | $3,587-81.7% | $1,882-65.1% |
| Participant deferral / active EE | $1,608 | $3,040-47.1% | $4,320-62.8% | $3,022-46.8% |
| Admin fee / account holder | $236 | $546-56.8% | $6,269-96.2% | $592-60.1% |