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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $122 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $122,447 | $50,385+143.0% | $75,501+62.2% | $62,293+96.6% |
| Participation rate | 6.8% | 67.7%-60.9pp | 72.4%-65.6pp | 69.5%-62.7pp |
| Annual return | 19.79% | 19.90%-0.1pp | 27.35%-7.6pp | 28.90%-9.1pp |
| Employer contribution / active EE | $612 | $1,537-60.2% | $2,352-74.0% | $2,042-70.0% |
| Participant deferral / active EE | $671 | $2,445-72.5% | $3,142-78.6% | $3,169-78.8% |
| Admin fee / account holder | $15 | $384-96.0% | $5,801-99.7% | $479-96.8% |