Welcome to Principal

Thank you for considering us as your retirement plan service provider. We'll do our best to make your search as easy as possible. Scroll down to catch a glimpse of what your experience will look like at Principal.

The Principal difference

Unlike other providers, retirement is at the heart of our business. Retirement and asset management operations represent 96% of our assets under management.^* We're committed to serving our retirement clients and investing in our business.

Retirement and benefits education is an ongoing dialogue with your employees. We work with our clients to nurture two-way communication and support the financial security of a diverse team.

3130739-022024

* Principal data as of Dec. 31, 2024.

We're proud of our culture

Our people shape and reinforce our culture of service, inclusion, and innovation while helping our customers reach their goals for financial security and live their best lives.

We typically receive industry accolades like these proving we make our values come to life.

Included in the 2025 JUST 100 and recognized as on of 2025 America's Most JUST Companies

JUST Capital, February 2025

Named a Best Place to Work in Money Management by Pensions & Investments for the 14^th consecutive year

December 2024. The firm paid a licensing fee to promote the award

Recognized as a 2025 World’s Most Ethical Companies^®

Ethisphere^®, March 2025

PLAN SPONSOR EXPERIENCE

Our focus is you

When you work with us, you can feel confident knowing you’ve got a leader on your side. We’ve been providing workplace solutions for 145 years and have more than 80 years of retirement plan experience.¹

While we’re a large global company, we remain grounded in our commitment to put our customers first—no matter how big or small. That makes our approach a little different.

You come first

We strive to build meaningful relationships and provide a personalized experience for you and your employees.

Our people

Our success depends on diversity and inclusion so everyone here can bring their best selves to work for you.

Innovation-driven

It’s our responsibility to continuously innovate, invest, and meet you where you need us.

Multiple plans. One integrated experience.

PRINCIPAL^® TOTAL RETIREMENT SOLUTIONS

With Principal^® Total Retirement Solutions you have one simple experience on a streamlined digital platform with one experienced relationship manager and one experienced team instead of multiple service providers.* Plus, your employees can check their retirement benefits with just one click, one call, one app.

401(k) recordkeeper²

Nonqualified deferred compensation³

Defined benefit⁴

Pension risk transfer provider⁵

Assets under custody⁶

Employee stock ownership⁷

Principal^® Complete Pension Solution

Principal^® Custody Solutions

Principal^® Equity Compensation Solutions

95% of assets under management from retirement & asset management operations⁸

Serving 12.3 million

retirement plan participants⁹

Flexible plan solutions.
Easy plan administration. Simple navigation.

Dedicated team. Your experienced service team will onboard your plan, oversee daily operations, educate your employees, and consult with you on plan design.

Consulting services. Our retirement plan consulting team can bring you forward-thinking strategies that can lead to increased efficiency, improved participant preparation for retirement, and lightened administrative load.

Participant dashboards. View participation rate reports, distribute educational content to your employees, model changes to your plan, and more with our participant dashboards.

Investment flexibility. You’ll have access to an extensive mutual fund network for your plan, along with robust investment alternatives including collective investment trusts, separate accounts and custom investments designed to help meet your participants' investing preferences.

Streamlined fiduciary filings. Our technology helps make filing your plan’s annual Form 5500 efficient.
• Direct DOL feed to file from our secure website
• Data on file prefills the schedules for Form 5500

Audit reporting. Complete your audit quickly and more efficiently with self-serve audit reports. Plus, get in-the-moment answers to your audit-related questions through our audit support hotline and virtual assistant.

* Plan sponsors of equity compensation plans will have a separate agreement and sign-on for these plan types.

¹ Principal Financial Group was founded in 1879 and began providing plan services in 1941.
² Based on number of DC plan participants, 2025 PLANSPONSOR Recordkeeping Survey, June 2025.
³ Based on number of NQDC plans (excluding 457 plans), 2025 PLANSPONSOR Recordkeeping Survey, June 2025.
⁴ Based on number of plans, 2025 PLANSPONSOR Defined Benefit Administration Survey, September 2025.
⁵ Based on 2024 PRT sales based on assets. LIMRA U.S. Group Annuity Risk Transfer Survey, Q4 2024.

⁶ Assets under administration (AUA) as of Dec. 31, 2024.

⁷ Based on number of ESOPs, 2025 PLANSPONSOR Recordkeeping Survey, June 2025.
⁸ As of June 30, 2025.
⁹ As of June 30, 2025. Includes defined contribution plan participants and defined benefit plan participants and retirees. Participant count is rounded.

PARTICIPANT EXPERIENCE

A participant experience designed with real people in mind

To build a path to retirement, every person needs information and resources to help them decide what to do and when to do it. That includes service and support from the day they enroll in a retirement plan, all the way through and into retirement.

The robust Principal^® participant experience helps people figure out how they can build retirement savings and strengthen financial wellness so they can feel more certain about their tomorrow, right now.

An approach that goes beyond

Every person takes a unique journey to retirement. That’s why we’ve designed a participant experience that goes beyond simple personalization. We use relevant data to ground helpful, timely messages in key stages on the path to retirement.

Our approach includes:

BEHAVIORAL SCIENCE

Connect with people’s needs and motivate them to take action

AUTOMATED JOURNEYS

Aligned to habits and life stages

PREDICTIVE MODELING

Layering goals and behaviors with demographics

DATA-POWERED STRATEGIES

Boost personalization opportunities

TEST AND

LEARN

Enabling continuous experience improvement

PRINCIPAL^® MILESTONES

Enhance today. Embrace tomorrow.

Learn to balance your short- and long-term financial goals.

We know there’s a lot to think about when it comes to your finances—both now and later. But with knowledge and resources, you can live well today and plan well for tomorrow. Principal^® Milestones can help your participants prioritize and make more informed decisions with financial resources in one convenient place at no additional cost to you.

A small action today may help lead to a more secure future tomorrow.

To get started, visit principal.com/Milestones and check out the holistic financial resources. You can do all this and more:

For Illustrative purposes only.

Principal^® Milestones participants have:

39% higher average deferral¹
6-point higher average Retirement Wellness Score¹
Prepared more than120,000 legal documents²
Access to more than 26,000 scholarships totaling nearly $300 million³
Access to hundreds of courses, tools, articles, videos, guides, and more

¹Principal reporting for clients who use Principal^® Milestones as of Dec. 31, 2024.

²ARAG^® reporting as of Dec. 31, 2024.

³Enrich reporting as of Dec. 31, 2024.

PRINCIPAL^® REAL START

Getting and keeping participants engaged.

Point-in-time welcome communications use simple, encouraging language to build confidence, clarify choices, and provide nudges. Plan-specific help includes:

Getting started
Contributions
Investment elections
Rollovers
Beneficiary designations and more

For Illustrative purposes only.

This experience is also fully transcreated in Spanish to help ensure content is culturally relevant and drives action from your Spanish-speaking employees.

We’re here to help get your employees on the right track.

More than 30% are saving 10% or more¹
Nearly 8% average deferral rate¹
1 in 3 auto-escalate up to 10%¹

¹Principal reporting from Jan. 1-Dec. 31, 2023.

THE PRINCIPAL^® APP

The future

starts here.

The Principal^® app is designed to save participants time while they save money. Whether it’s the intuitive interface or easily understood transactions, the distance between planning future success and your participants just got a few taps closer.

The Principal^® app in English and Spanish—intuitively designed for access to accounts at Principal on the go.

For Illustrative purposes only.

The Principal^® app is streamlined for convenience and speed. It puts participants in control, getting them the answers they want quickly and letting them make changes within their accounts efficiently. It's all about helping them plan for the future while getting them back to living their lives as quickly as possible.

Visit principal.com/OnTheGo to download the Principal^® app. Or, search for it on Google Play and the Apple App store. Available in Spanish.

¹DALBAR’s 2024 Pyramid of Communications Excellence for both the iOS and Android apps, Q3 2024.

²4.8-star iOS App Store rating and 4.7-star Google Play Store rating as of Jan. 2025 Standard data rates may apply.

Principal^® app is available for iPhone^® and Android™. Apple and iPhone are registered trademarks of Apple Inc. Android is a trademark of Google Inc. Use of this trademark is subject to Google Permissions. Standard text and data rates apply.

Custom communication samples

We're able to communicate with your employees in a way that feels familiar and comfortable to them. As a supplement to the Principal participant experience, we can develop participant campaigns in both English and Spanish, customized with your brand. Communications include action items to help drive positive retirement outcomes, with topics such as transitioning to Principal, investment review/diversification, beneficiary designation, webinars, and mobile app usage.

Multiple campaign touchpoints

For illustration use only.

CYBERSECURITY

Committed to keeping customers’ assets and information secure

You can feel confident we have the people, processes, and technology in place to help safeguard access to your employees’ data and retirement savings. Plus, we constantly monitor, test, and adjust our security features. Visit principal.com/cybersecurity to learn more.

Safeguarding customers’ info is a top priority

Our approach, paired with third-party expertise, provides flexibility to act quickly on any potential threats. We go beyond the Department of Labor cybersecurity best practices by:

Requiring two-factor authentication upon account registration
Conducting ongoing third-party cyber attack testing
Working closely with local, state, and national government agencies
Conducting background checks on all employees
Having cybersecurity insurance
Serving as active members of industry groups such as:
- SPARK Data Security Oversight Board
- FS-ISAC

Our simple customer protection guarantee

Principal will reimburse participants’ employer-sponsored retirement accounts for losses from unauthorized activity occurring through no fault of their own.¹

Third-party validation

Independent auditing firm reviews and evaluates our controls related to security, confidentiality, and availability of customer data in SOC 2 Type 2 report.

¹ The Customer Protection Guarantee applies to employer-sponsored retirement plans record kept by Principal^® including defined benefit, defined contribution, employee stock ownership plans, and retirement accounts with pension payments made through Principal^® Custody Solutions. It's effective for unauthorized activity that occurs after participants have registered their account online, provided their contact information and kept it up to date in the event of changes. Guarantee details are current as of July 1, 2024, and are subject to change. Exclusions to the policy may apply. www.principal.com/customer-protection-guarantee.

Thank you for considering Principal^® as your retirement plan service provider!

Welcome to Principal

The Principal difference