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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $68,477 |
Filed as: PRINCIPAL SECURITIES INC Service code 27 · EIN 42-0941553 | Advisory (Plan) | $23,726 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $76,177 | $85,515-10.9% | $112,040-32.0% | $67,986+12.0% |
| Participation rate | 87.8% | 68.2%+19.6pp | 76.5%+11.3pp | 57.2%+30.6pp |
| Annual return | 11.15% | 29.68%-18.5pp | 24.52%-13.4pp | 31.67%-20.5pp |
| Employer contribution / active EE | $694 | $2,191-68.3% | $2,954-76.5% | $2,019-65.6% |
| Participant deferral / active EE | $3,940 | $4,014-1.8% | $5,098-22.7% | $3,358+17.3% |
| Admin fee / account holder | $307 | $3,774-91.9% | $12,098-97.5% | $3,203-90.4% |