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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $4,014 |
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,990 | $79,189-65.9% | $102,457-73.7% | $74,400-63.7% |
| Participation rate | 79.4% | 74.8%+4.6pp | 76.5%+2.9pp | 67.2%+12.2pp |
| Annual return | 9.15% | 54.98%-45.8pp | 29.41%-20.3pp | 1367.51%-1358.4pp |
| Employer contribution / active EE | $1,600 | $2,362-32.3% | $3,022-47.1% | $2,624-39.0% |
| Participant deferral / active EE | $2,454 | $4,415-44.4% | $5,054-51.4% | $4,348-43.6% |
| Admin fee / account holder | $29 | $2,002-98.5% | $9,451-99.7% | $1,944-98.5% |