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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $70,202 |
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.
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 | $28,533 | $48,166-40.8% | $96,575-70.5% | $93,010-69.3% |
| Participation rate | 15.2% | 65.1%-49.9pp | 69.8%-54.6pp | 73.9%-58.7pp |
| Annual return | 40.58% | 21.31%+19.3pp | 37.79%+2.8pp | 158.70%-118.1pp |
| Employer contribution / active EE | $16 | $1,070-98.5% | $2,357-99.3% | $2,705-99.4% |
| Participant deferral / active EE | $1,247 | $2,576-51.6% | $3,849-67.6% | $4,561-72.6% |
| Admin fee / account holder | $150 | $110+36.1% | $6,182-97.6% | $152-1.1% |