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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,773 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $22,988 | $48,406-52.5% | $104,639-78.0% | $90,274-74.5% |
| Participation rate | 14.0% | 64.3%-50.3pp | 74.1%-60.1pp | 73.4%-59.4pp |
| Annual return | 17.16% | 18.72%-1.6pp | 340.67%-323.5pp | 53.97%-36.8pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $2,682-100.0% | $2,523-100.0% |
| Participant deferral / active EE | $972 | $2,436-60.1% | $3,738-74.0% | $4,231-77.0% |
| Admin fee / account holder | $12 | $76-83.7% | $6,465-99.8% | $114-89.2% |