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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $26,384 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $1,731 | $41,467-95.8% | $67,313-97.4% | $55,725-96.9% |
| Participation rate | 79.3% | 62.5%+16.8pp | 69.1%+10.2pp | 70.9%+8.4pp |
| Annual return | 8.14% | 0.82%+7.3pp | -4.08%+12.2pp | 244.93%-236.8pp |
| Employer contribution / active EE | $0 | $1,316-100.0% | $2,566-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $1,012 | $2,399-57.8% | $3,568-71.6% | $3,356-69.8% |
| Admin fee / account holder | $37 | $102-63.7% | $4,507-99.2% | $115-67.9% |