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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $1,522 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $13,721 | $42,546-67.7% | $71,796-80.9% | $55,167-75.1% |
| Participation rate | 97.1% | 59.1%+38.0pp | 69.1%+28.0pp | 69.0%+28.2pp |
| Annual return | 5.79% | 12.36%-6.6pp | 78.04%-72.2pp | 169.23%-163.4pp |
| Employer contribution / active EE | $126 | $803-84.3% | $1,924-93.4% | $1,963-93.6% |
| Participant deferral / active EE | $1,268 | $2,064-38.6% | $2,794-54.6% | $3,054-58.5% |
| Admin fee / account holder | $6 | $650-99.1% | $4,815-99.9% | $504-98.8% |