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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $10,372 |
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,884 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,076 | $59,191-30.6% | $76,767-46.5% | $56,289-27.0% |
| Participation rate | 50.4% | 75.2%-24.8pp | 77.0%-26.6pp | 69.9%-19.4pp |
| Annual return | -3.79% | 6.62%-10.4pp | 2.43%-6.2pp | -9.96%+6.2pp |
| Employer contribution / active EE | $355 | $1,759-79.8% | $2,485-85.7% | $2,111-83.2% |
| Participant deferral / active EE | $5,034 | $3,255+54.6% | $3,852+30.7% | $3,350+50.3% |
| Admin fee / account holder | $24 | $489-95.1% | $6,675-99.6% | $521-95.4% |