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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $4,577 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $2,734,067 | $81,494+3254.9% | $133,978+1940.7% | $73,497+3620.0% |
| Participation rate | 0.0% | 76.4%-76.4pp | 79.8%-79.8pp | 70.7%-70.7pp |
| Annual return | 13.75% | 19.40%-5.7pp | 45.10%-31.3pp | 28.51%-14.8pp |
| Employer contribution / active EE | $516 | $2,210-76.7% | $3,919-86.8% | $2,270-77.3% |
| Participant deferral / active EE | $3,646 | $3,787-3.7% | $5,047-27.8% | $3,740-2.5% |
| Admin fee / account holder | $1,526 | $713+113.9% | $8,930-82.9% | $513+197.4% |