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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $640 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $2,856 | $38,925-92.7% | $73,836-96.1% | $55,191-94.8% |
| Participation rate | 95.3% | 66.0%+29.2pp | 73.4%+21.8pp | 69.2%+26.1pp |
| Annual return | -8.01% | 6.31%-14.3pp | 2268.06%-2276.1pp | 10.78%-18.8pp |
| Employer contribution / active EE | $2,294 | $1,695+35.4% | $2,787-17.7% | $1,899+20.8% |
| Participant deferral / active EE | $1,023 | $2,351-56.5% | $3,583-71.4% | $3,046-66.4% |
| Admin fee / account holder | $1 | $83-98.3% | $4,882-100.0% | $91-98.5% |