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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $7,858 |
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 | $7,857 | $91,559-91.4% | $133,971-94.1% | $79,852-90.2% |
| Participation rate | 94.8% | 73.3%+21.4pp | 79.8%+15.0pp | 69.6%+25.2pp |
| Annual return | 17.75% | 61.85%-44.1pp | 45.09%-27.3pp | 31.72%-14.0pp |
| Employer contribution / active EE | $919 | $2,384-61.5% | $3,919-76.6% | $2,471-62.8% |
| Participant deferral / active EE | $1,447 | $3,734-61.3% | $5,047-71.3% | $3,740-61.3% |
| Admin fee / account holder | $85 | $6,321-98.7% | $8,929-99.1% | $5,306-98.4% |