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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $863 |
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 | $26,009 | $75,183-65.4% | $123,894-79.0% | $55,167-52.9% |
| Participation rate | 67.3% | 72.8%-5.6pp | 81.4%-14.2pp | 69.0%-1.7pp |
| Annual return | 6.16% | 19.01%-12.9pp | 47.52%-41.4pp | 169.23%-163.1pp |
| Employer contribution / active EE | $717 | $2,823-74.6% | $4,617-84.5% | $1,963-63.5% |
| Participant deferral / active EE | $3,465 | $5,084-31.9% | $5,984-42.1% | $3,054+13.4% |
| Admin fee / account holder | $10 | $663-98.5% | $8,357-99.9% | $504-98.1% |