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Principal Real Start - Migrating

Principal Real Start - Newly Eligible

Participant website

Principal Milestones

Principal app

Principal Hola Futuro

Total retirement services

Defined benefit plans

Nonqualified plans

ESOP

Results

Principal® Real Start

for newly eligible participants

 

Our award-winning1 onboarding experience simplifies the process of getting started, provides in-the-moment education and chat, and is available in English and Spanish. It also drives 40% higher contribution rates than other enrollment methods.2

Eligibility notifications

Enrollment reminders

Digital onboarding

Eligibility notification is simple. We’ll automatically contact your employees when it's time to get started.

Eligibility notifications

Enrollment reminders

Digital onboarding

Not everyone enrolls right away. That’s why we send up to four reminders. If you’ve provided employees’ email addresses, we’ll email them. If you haven’t, we’ll send postcards.

Eligibility notifications

Enrollment reminders

Digital onboarding

Our award-winning1 digital onboarding experience is for plans with automatic and opt-in enrollment. It’s available in English and Spanish and provides in-the-moment education and chat. Everyone gets personalized help with contributions, investment elections, rollovers, beneficiary designations and more.


The experience is quick, simple, and designed to motivate better savings habits. And it works – driving 40% higher contribution rates than other enrollment methods.2

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Principal Real Start - Migrating

Principal Real Start - Newly Eligible

Principal Milestones

Participant website

Principal app

Principal Hola Futuro

Total retirement services

Defined benefit plans

Nonqualified plans

ESOP

Results

Participant website

Our best-in-class website is designed to build confidence and contributions.3 Participants get help with personalized planning, and it’s quick to take action.

Participants who engage with our digital experience have a
46% higher
average deferral.4

Retirement Wellness Score & Planner

My Virtual Coach

External accounts

HSA integration

With a personalized score, participants can see how well they’re tracking toward their retirement goals. Buttons and sliders make it simple to take action.

Retirement Wellness Score and Planner

My Virtual Coach

External accounts
HSA integration

My Virtual Coach interactive, educational conversation help simplify complicated financial topics so your employees can make more informed decisions.


Participants who use My Virtual Coach have a 36% higher average deferral.5

Retirement Wellness Score and Planner

My Virtual Coach

External accounts
HSA integration

By linking outside accounts and using automatic account aggregation, participants get a more complete picture of their total Retirement Wellness Score.

Retirement Wellness Score and Planner

My Virtual Coach

External accounts

HSA integration

We want to help your employees consider all their retirement assets. That’s why we facilitate integration with all HSA providers. Participants can link any HSA through our External Accounts feature, giving them an aggregate view of their retirement savings.

If you offer your employees an HSA through HealthEquity, HSA Bank, or Optum Bank, we can turn on deeper integration, which includes HSA account access through secure, single sign‐on technology.

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Principal Real Start - Migrating

Principal Real Start - Newly Eligible

Principal Milestones

Participant website

Principal app

Principal Hola Futuro

Total retirement services

Defined benefit plans

Nonqualified plans

ESOP

Results

Principal® Milestones

To help your employees live well today and plan well for tomorrow, we provide access to education, resources and inspiration for money management and other financial priorities. 

 

Will and legal document resource from ARAG®

74% of Americans don’t have a complete, up-to-date will.6 We’ve teamed with ARAG—a leader in legal insurance that connects people with affordable, professional legal help—so your employees can prepare a will and other legal documents at no cost.

Financial education from Enrich

From student loan repayment and college savings to planning for health care and more. It’s all available through the EnrichTM financial wellness platform. Participants who use the resources have a 23% higher average deferral and 10 point higher average Retirement Wellness Score.2

Student loan repayment program from Enrich


44.7 million Americans have more than $1.6 trillion in student debt.7 You can help your employees get out of debt through the Enrich Student Loan Repayment Program powered by SoFi.

On-demand digital meetings

Our award-winning8 educational meetings are held the third Wednesday of every month with opportunities to interact and ask questions. They’re also available on demand for all-the-time access. Participants who attend the meetings have a 12% average deferral.2

Principal Flash Briefing from Amazon Alexa

Our Principal Flash Briefing delivers tips, fun facts and reminders so curious customers can get weekly financial education without lifting a finger. We were the first retirement plan service provider to offer a Flash Briefing. And we’re helping keep secure information secure. We don’t share any personal or account information with Amazon.
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Principal Real Start - Migrating

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Principal Hola Futuro

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Results

Principal® app

With a 4.7 out of 5-star rating, our app provides quick answers and efficient transactions.9

 

It’s simple to switch up contributions and investments. And even roll money from a prior plan by snapping a photo of a check.

 

Next up: Enrollment.

The Principal® Real Start experience will be mobile app optimized in mid-2020.

Principal® app

With a 4.7 out of 5-star rating, our app provides quick answers and efficient transactions.9

 

It’s simple to switch up contributions and investments. And even roll money from a prior plan by snapping a photo of a check.

 

Next up: Enrollment.

The Principal® Real Start experience will be mobile app optimized in mid-2020.

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Principal Real Start - Migrating

Principal Real Start - Newly Eligible

Principal Milestones

Participant website

Principal app

Principal Hola Futuro

Total retirement services

Defined benefit plans

Nonqualified plans

ESOP

Results

Principal® Hola Futuro

Spanish-speaking participants get culturally relevant support from the transcreated Principal® Real Start onboarding experience, the Principal® Hola Futuro website, in-language materials, and bilingual representatives in our contact center.

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Principal Real Start - Migrating

Principal Real Start - Newly Eligible

Principal Milestones

Participant website

Principal app

Principal Hola Futuro

Total retirement services

Defined benefit plans

Nonqualified plans

ESOP

Results

Retirement is the heart of our business.

Top 3 Defined contribution plan provider10

#1 Defined benefit plan recordkeeper11

#1 Employee stock ownership plan provider12

#1 Nonqualified deferred compensation plan provider13

#2 in Rabbi Trusts serviced14

#2 Pension provider in Latin America15

Recognized excellence15

#1 for advisor service and support

#1 for participant service and support

9.1 million

retirement plan participants10

2
16
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Principal Real Start - Migrating

Principal Real Start - Newly Eligible

Principal Milestones

Participant website

Principal app

Principal Hola Futuro

Total retirement services

Defined benefit plans

Nonqualified plans

ESOP

Results

We’re here to help your employees reach their retirement goals.

Ranked #1
for participant service and support15

98.6% First-call resolution in our domestic call center17 

2019 Retirement Plan Monitor Awards18
GOLD medal for Educational resources
GOLD medal for Digital tools and calculators


2019 IMEA Star Awards
Best Overall Retirement Communications19
Digital Education award for Principal® Real Start participant onboarding

As we leverage the best of the best from Principal and Wells Fargo IRT, we’re building experiences that are better than both. We’re excited for the future and dedicated to meeting your needs. Please contact your relationship manager or local representative if you have any questions.

1 2019 IMEA Star Awards, Digital education award for Principal® Real Start participant onboarding.
2 Principal reporting as of Dec. 31, 2019.
3 DALBAR WebMonitor, Q4 2019. The Principal DC participant website ranked #3.
4 Principal reporting from Jan. 1 through June 30, 2019. Compares participants who used the resources with those who did not.
5 Principal My Virtual Coach reporting as of Sept. 30, 2019.
6 How Legal and Financial Issues Impact Employee Wellness. Russell Research for ARAG, Feb. 2017.
7 Principal reporting as of Sept. 30, 2019.
8 Federal Reserve Bank of New York, September 2019.
9 Apple store as of Feb. 2020. Google Play store rating is 4.4 out of 5 stars as of Feb. 2020.
10 PLANSPONSOR Recordkeeping Survey, July 2019. Principal and Wells Fargo IRT combined Plansponsor.com data as of July 2019. Future market share is subject to change and won’t be updated until next release of applicable data.
11 Based on number of plans, PLANSPONSOR DB Administration survey, May 2019.
12 Based on number of plans, PLANSPONSOR Recordkeeeping Survey, July 2019.
13 Based on number of plans, PLANSPONSOR Recordkeeping Survey, July 2019.
14 2016 NQDC Buyer’s Guide, PLANSPONSOR Magazine
15 AUM among multi-country pension providers; Fenaprevi September 2019.
16 Escalent. Cogent Syndicate. Retirement Plan Advisor TrendsTM. October 2019.
17 As of March 2019.
18 As of Dec. 31, 2018.
19 Corporate Insight Retirement Plan Monitor Awards, December 2019.
20 Recognized in the large asset category defined by Investment Management Education Alliance as over $50B and up to $150B.

 

Principal Financial Group closed the acquisition of certain assets of the Wells Fargo Institutional Retirement and Trust business (IRT) on July 1, 2019. The transition, transfer, and conversion of IRT business operations, employees, and clients will occur over the following 12-24 months. During the transition period, Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company, will continue to operate and service the IRT business for the benefit of Principal®, including providing recordkeeping, trustee, and/or custody services. Wells Fargo has not reviewed the content of the attached material and makes no judgment of its accuracy.

 

The Retirement Wellness Planner information and Retirement Wellness Score are limited only to the inputs and other financial assumptions and is not intended to be a financial plan or investment advice from any company of the Principal Financial Group® or plan sponsor. This calculator only provides education which may be helpful in making personal financial decisions. Responsibility for those decisions is assumed by the participant, not the plan sponsor and not by any member of Principal®. Individual results will vary. Participants should regularly review their savings progress and post-retirement needs.

 

Principal® does not make available products related to Health Savings Accounts. HealthEquity, HSA Bank, and Optum Bank are not affiliates of the Principal Financial Group®.

 

The value-added resources provided through iGrad, Inc. (Enrich) and ARAG Services, LLC (ARAG®) are not a part of any insurance products and plan administrative services provided through Principal Life Insurance Co. or affiliated with any company of the Principal Financial Group®. All resources may be changed or canceled at any time. The use of resources provided by Enrich or ARAG Services, LLC or should not be considered a substitute for consultation with an attorney or advisor. Principal® is not responsible for any loss, injury, claim, liability, or damages related to the use of the Enrich resources or ARAG Will & Legal Document Center. Please remember that the ARAG legal documents are accurate and useful in many situations. Whether or not the document is right for you and your situation depends on your circumstances. If you want specific advice regarding your situation, consult an attorney. Information is intended to be educational in nature and is not intended to be taken as a recommendation. Enrich and ARAG Services, LLC are not affiliates of any company of the Principal Financial Group.

 

All payments for the student loan repayment program go to Enrich and their chosen payment processor, which is SoFi, subject to change. Principal does not receive payments for this service. Enrich and SoFi are not affiliates of any company of the Principal Financial Group.

 

Amazon Alexa is a trademark of Amazon.com, Inc.

 

Images are for illustrative purposes only and may not represent the final product. They are the property of Principal®. All rights reserved.

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The subject matter in this communication is educational only and provided with the understanding that Principal® is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

Insurance products and plan administrative services provided through Principal Life Insurance Co., a member of the Principal Financial Group®, Des Moines, IA 50392.

© 2020 Principal Financial Services, Inc.

Securities offered through Principal Securities, Inc., member SIPC