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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $32,293 |
Service code 27 · EIN 16-1629047 | Advisory (Plan) | $8,277 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $10,427 | $38,925-73.2% | $73,836-85.9% | $55,191-81.1% |
| Participation rate | 18.6% | 66.0%-47.4pp | 73.4%-54.8pp | 69.2%-50.5pp |
| Annual return | 5.55% | 6.31%-0.8pp | 2268.06%-2262.5pp | 10.78%-5.2pp |
| Employer contribution / active EE | $125 | $1,695-92.6% | $2,787-95.5% | $1,899-93.4% |
| Participant deferral / active EE | $1,055 | $2,351-55.1% | $3,583-70.5% | $3,046-65.4% |
| Admin fee / account holder | $105 | $83+27.1% | $4,882-97.8% | $91+16.0% |