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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,492 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,448 | $51,620-39.1% | $90,324-65.2% | $65,186-51.8% |
| Participation rate | 55.3% | 68.6%-13.4pp | 73.3%-18.0pp | 70.2%-14.9pp |
| Annual return | 55.17% | 24.94%+30.2pp | 78.15%-23.0pp | 29.39%+25.8pp |
| Employer contribution / active EE | $0 | $2,235-100.0% | $2,856-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,217 | $2,871-22.8% | $3,885-42.9% | $3,514-36.9% |
| Admin fee / account holder | $24 | $384-93.7% | $5,356-99.5% | $847-97.1% |