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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $5,491 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $4,749 | $83,485-94.3% | $125,192-96.2% | $72,975-93.5% |
| Participation rate | 89.6% | 73.3%+16.3pp | 79.8%+9.8pp | 69.5%+20.1pp |
| Annual return | 23.98% | 25.77%-1.8pp | 43.79%-19.8pp | 81.01%-57.0pp |
| Employer contribution / active EE | $605 | $2,346-74.2% | $3,866-84.3% | $2,440-75.2% |
| Participant deferral / active EE | $1,074 | $3,586-70.1% | $4,937-78.2% | $3,608-70.2% |
| Admin fee / account holder | $53 | $5,518-99.0% | $9,704-99.5% | $5,124-99.0% |