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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $24,785 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,440 | $67,512-87.5% | $185,849-95.5% | $93,010-90.9% |
| Participation rate | 7.2% | 67.1%-59.9pp | 81.7%-74.5pp | 73.9%-66.7pp |
| Annual return | 19.88% | 21.04%-1.2pp | 122.10%-102.2pp | 158.70%-138.8pp |
| Employer contribution / active EE | $0 | $1,783-100.0% | $5,169-100.0% | $2,705-100.0% |
| Participant deferral / active EE | $254 | $3,035-91.6% | $5,569-95.4% | $4,561-94.4% |
| Admin fee / account holder | $164 | $318-48.3% | $16,244-99.0% | $152+8.2% |