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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $23,464 |
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.
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 | $24,958 | $54,193-53.9% | $93,681-73.4% | $77,692-67.9% |
| Participation rate | 25.9% | 63.9%-38.0pp | 68.7%-42.8pp | 70.6%-44.6pp |
| Annual return | 12.68% | 30.54%-17.9pp | 133.47%-120.8pp | 31.25%-18.6pp |
| Employer contribution / active EE | $489 | $1,168-58.1% | $2,422-79.8% | $2,726-82.1% |
| Participant deferral / active EE | $1,307 | $3,144-58.4% | $4,415-70.4% | $4,648-71.9% |
| Admin fee / account holder | $188 | $576-67.4% | $8,290-97.7% | $431-56.4% |