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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $30,653 |
Service code 49 · EIN 52-2114207 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,833 | $95,438-64.6% | $135,982-75.1% | $74,473-54.6% |
| Participation rate | 58.4% | 78.2%-19.8pp | 81.9%-23.5pp | 70.7%-12.3pp |
| Annual return | 19.87% | 32.61%-12.7pp | 68.32%-48.5pp | 34.36%-14.5pp |
| Employer contribution / active EE | $0 | $3,878-100.0% | $4,859-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $5,938 | $7,790-23.8% | $7,760-23.5% | $4,530+31.1% |
| Admin fee / account holder | $73 | $259-71.7% | $10,767-99.3% | $347-78.9% |