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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $19,312 |
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.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,668 | $39,286-44.8% | $80,741-73.2% | $79,393-72.7% |
| Participation rate | 28.5% | 41.0%-12.5pp | 54.2%-25.7pp | 70.7%-42.3pp |
| Annual return | 8.85% | 98.95%-90.1pp | 87.30%-78.5pp | 116.87%-108.0pp |
| Employer contribution / active EE | $29 | $594-95.2% | $1,160-97.5% | $2,428-98.8% |
| Participant deferral / active EE | $618 | $1,264-51.1% | $2,145-71.2% | $4,046-84.7% |
| Admin fee / account holder | $386 | $647-40.3% | $3,380-88.6% | $627-38.3% |