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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $10,785 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $46,373 | $130,294-64.4% | $170,057-72.7% | $71,529-35.2% |
| Participation rate | 64.9% | 86.2%-21.2pp | 87.0%-22.1pp | 67.9%-3.0pp |
| Annual return | 1.74% | 20.36%-18.6pp | 53.42%-51.7pp | 28.97%-27.2pp |
| Employer contribution / active EE | $2,276 | $4,385-48.1% | $6,790-66.5% | $2,590-12.1% |
| Participant deferral / active EE | $4,646 | $6,928-32.9% | $10,411-55.4% | $4,291+8.3% |
| Admin fee / account holder | $64 | $966-93.4% | $12,826-99.5% | $1,588-96.0% |