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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,765 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $44,557 | $52,884-15.7% | $84,753-47.4% | $55,167-19.2% |
| Participation rate | 66.3% | 67.5%-1.3pp | 76.6%-10.3pp | 69.0%-2.7pp |
| Annual return | 2.83% | 18.03%-15.2pp | 22.78%-20.0pp | 169.23%-166.4pp |
| Employer contribution / active EE | $917 | $2,233-58.9% | $3,574-74.3% | $1,963-53.3% |
| Participant deferral / active EE | $2,796 | $2,644+5.8% | $3,712-24.7% | $3,054-8.4% |
| Admin fee / account holder | $32 | $581-94.4% | $5,333-99.4% | $504-93.6% |