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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $17,438 | $46,732-62.7% | $156,551-88.9% | $55,167-68.4% |
| Participation rate | 39.9% | 65.8%-25.9pp | 84.0%-44.1pp | 69.0%-29.1pp |
| Annual return | 7.39% | 17.72%-10.3pp | 32.23%-24.8pp | 169.23%-161.8pp |
| Employer contribution / active EE | $462 | $2,105-78.1% | $5,501-91.6% | $1,963-76.5% |
| Participant deferral / active EE | $1,900 | $2,204-13.8% | $4,871-61.0% | $3,054-37.8% |
| Admin fee / account holder | $163 | $418-61.1% | $13,028-98.7% | $504-67.7% |