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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $4,681 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $15,796 | $50,820-68.9% | $155,567-89.8% | $77,671-79.7% |
| Participation rate | 18.6% | 63.1%-44.6pp | 78.2%-59.6pp | 70.6%-52.0pp |
| Annual return | 18.48% | 34.85%-16.4pp | 64.74%-46.3pp | 31.21%-12.7pp |
| Employer contribution / active EE | $0 | $1,993-100.0% | $4,674-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $927 | $2,823-67.1% | $5,628-83.5% | $4,648-80.0% |
| Admin fee / account holder | $28 | $436-93.5% | $15,916-99.8% | $430-93.4% |