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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $18,477 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $33,640 | $56,640-40.6% | $78,002-56.9% | $55,167-39.0% |
| Participation rate | 35.1% | 73.3%-38.2pp | 75.5%-40.4pp | 69.0%-33.9pp |
| Annual return | 4.55% | 2868.48%-2863.9pp | 425.99%-421.4pp | 169.23%-164.7pp |
| Employer contribution / active EE | $644 | $1,724-62.6% | $2,470-73.9% | $1,963-67.2% |
| Participant deferral / active EE | $1,873 | $2,778-32.6% | $3,497-46.4% | $3,054-38.7% |
| Admin fee / account holder | $308 | $467-34.0% | $5,481-94.4% | $504-38.9% |