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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $12,198 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Filed as: PRINCIPAL LIFE INS CO Service code 13 · EIN 42-0127290 | Contract Administrator | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $25,078 | $46,332-45.9% | $143,799-82.6% | $64,819-61.3% |
| Participation rate | 28.0% | 64.2%-36.2pp | 80.3%-52.3pp | 71.5%-43.4pp |
| Annual return | 2.25% | -10.05%+12.3pp | -0.04%+2.3pp | 32.84%-30.6pp |
| Employer contribution / active EE | $916 | $1,911-52.1% | $4,952-81.5% | $2,507-63.5% |
| Participant deferral / active EE | $1,308 | $2,647-50.6% | $5,638-76.8% | $4,311-69.7% |
| Admin fee / account holder | $329 | $154+114.0% | $14,677-97.8% | $188+75.3% |