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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $92,754 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $30,489 |
RSM US LLP4 years Service code 10 · EIN 42-0714325 | Accounting | $5,500 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $73,628 | $55,636+32.3% | $81,991-10.2% | $73,493+0.2% |
| Participation rate | 22.6% | 62.3%-39.7pp | 69.3%-46.7pp | 70.7%-48.1pp |
| Annual return | 23.10% | 19.07%+4.0pp | 41.31%-18.2pp | 28.51%-5.4pp |
| Employer contribution / active EE | $1,507 | $1,625-7.2% | $2,498-39.7% | $2,270-33.6% |
| Participant deferral / active EE | $5,718 | $2,762+107.0% | $3,722+53.6% | $3,740+52.9% |
| Admin fee / account holder | $963 | $493+95.4% | $5,665-83.0% | $513+87.6% |