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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $25,953 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $526,835 | $40,522+1200.1% | $84,637+522.5% | $67,582+679.6% |
| Participation rate | 0.0% | 51.1%-51.1pp | 68.2%-68.2pp | 71.3%-71.3pp |
| Annual return | 20.07% | 32.72%-12.7pp | 258.82%-238.8pp | 378.57%-358.5pp |
| Employer contribution / active EE | $270 | $1,146-76.4% | $2,653-89.8% | $2,148-87.4% |
| Participant deferral / active EE | $2,125 | $2,132-0.3% | $3,900-45.5% | $3,539-40.0% |
| Admin fee / account holder | $3,258 | $145+2142.0% | $4,914-33.7% | $142+2189.4% |