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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,135 |
Annual investment return 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 | $12,071 | $44,425-72.8% | $67,834-82.2% | $55,167-78.1% |
| Participation rate | 93.0% | 59.7%+33.3pp | 68.8%+24.2pp | 69.0%+24.0pp |
| Annual return | 4.05% | 17.80%-13.8pp | 138.47%-134.4pp | 169.23%-165.2pp |
| Employer contribution / active EE | $249 | $1,351-81.6% | $2,403-89.6% | $1,963-87.3% |
| Participant deferral / active EE | $1,501 | $2,166-30.7% | $3,160-52.5% | $3,054-50.8% |
| Admin fee / account holder | $18 | $530-96.7% | $4,622-99.6% | $504-96.5% |