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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,155 |
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.
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 | $40,575 | $54,237-25.2% | $90,300-55.1% | $67,579-40.0% |
| Participation rate | 27.6% | 68.6%-41.0pp | 73.3%-45.7pp | 71.3%-43.7pp |
| Annual return | 19.11% | 37.27%-18.2pp | 78.11%-59.0pp | 378.56%-359.4pp |
| Employer contribution / active EE | $310 | $1,846-83.2% | $2,854-89.1% | $2,148-85.6% |
| Participant deferral / active EE | $761 | $2,625-71.0% | $3,884-80.4% | $3,539-78.5% |
| Admin fee / account holder | $22 | $123-81.8% | $5,353-99.6% | $142-84.2% |