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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,928 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,174 | $59,105-47.3% | $160,009-80.5% | $66,938-53.4% |
| Participation rate | 31.0% | 68.1%-37.1pp | 78.0%-47.0pp | 69.8%-38.9pp |
| Annual return | -18.02% | -12.26%-5.8pp | 408.85%-426.9pp | 1.58%-19.6pp |
| Employer contribution / active EE | $0 | $1,983-100.0% | $4,225-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,451 | $4,395-67.0% | $6,183-76.5% | $4,238-65.8% |
| Admin fee / account holder | $83 | $591-85.9% | $8,715-99.0% | $594-85.9% |