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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $12,975 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,933 | $64,176+10.5% | $112,249-36.8% | $66,938+6.0% |
| Participation rate | 15.6% | 68.4%-52.9pp | 75.1%-59.5pp | 69.8%-54.2pp |
| Annual return | -4.05% | -13.80%+9.7pp | 27.48%-31.5pp | 1.58%-5.6pp |
| Employer contribution / active EE | $0 | $3,007-100.0% | $3,636-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $640 | $3,694-82.7% | $4,729-86.5% | $4,238-84.9% |
| Admin fee / account holder | $382 | $626-39.0% | $6,412-94.0% | $594-35.7% |