A better retirement starts with the experience

See what you can expect when you work with us.

Participant experience ›

Principal^® Real Start

for migrating participants

As their accounts move to Principal^®, your participants get early access to financial wellness resources and a personalized digital onboarding experience.

Principal^® Real Start

for newly eligible participants

Our 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.

Participant website

Our best-in-class website is designed to build confidence and contributions.¹ Participants get help with personalized planning, and it’s quick to take action.

¹DALBAR WebMonitor, Q4 2019. The Principal DC participant website ranked #3.

46% higher

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

Retirement Wellness Score and 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.

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.

HSA integration

Retirement Wellness Score and Planner

External accounts

HSA integration

Participants can link any HSA through our External Accounts feature. 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.

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.² 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 Enrich^TM financial wellness platform. Participants who use the resources have a 23% higher average deferral and 10 point higher average Retirement Wellness Score.³

Student loan repayment program from Enrich

44.7 million Americans have more than $1.6 trillion in student debt.⁴ 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-winning⁵ 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.⁶

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^®app

With a 4.7 out of 5-star rating, our app provides quick answers and efficient transactions.⁷

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

Images are for illustrative purposes only and do not represent the final product.

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.

¹ DALBAR WebMonitor, Q4 2019. The Principal DC participant website ranked #3.

² How Legal and Financial Issues Impact Employee Wellness. Russell Research for ARAG, Feb. 2017. ARAG is not an affiliate of any company of the Principal Financial Group.

³ Principal reporting as of Sept. 30, 2019.

⁴ Federal Reserve Bank of New York, September 2019. Enrich and SoFi are not affiliates of any company of the Principal Financial Group.

⁵ Pension & Investments Eddy Award 2017.

⁶ Principal reporting as of Sept. 30, 2019.

⁷ Apple store as of Oct. 21, 2019.

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.

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

Terms of Use | Disclosures | Privacy | Security | Report Fraud

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.

A better retirement starts with the experience

See what you can expect when you work with us.

Principal^® Real Start

for migrating participants

As their accounts move to Principal^®, your participants get early access to financial wellness resources and a personalized digital onboarding experience.

Principal^® Real Start

for newly eligible participants

Our 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.

Participant website

Our best-in-class website is designed to build confidence and contributions.¹ 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.

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.

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.

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

Participants can link any HSA through our External Accounts feature. 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.

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

Financial education from Enrich

Student loan repayment program from Enrich

On-demand digital meetings

Principal Flash Briefing from Amazon Alexa

Principal^®app

With a 4.7 out of 5-star rating, our app provides quick answers and efficient transactions.⁷

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

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.

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

A better retirement starts with the experience

See what you can expect when you work with us.

Principal® Real Start

for migrating participants

As their accounts move to Principal®, your participants get early access to financial wellness resources and a personalized digital onboarding experience.

Principal® Real Start

for newly eligible participants

Our 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.

Participant website

Our best-in-class website is designed to build confidence and contributions.1 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.

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.

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.

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

Participants can link any HSA through our External Accounts feature. 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.

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

Financial education from Enrich

Student loan repayment program from Enrich

On-demand digital meetings

Principal Flash Briefing from Amazon Alexa

Principal® app

With a 4.7 out of 5-star rating, our app provides quick answers and efficient transactions.7

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

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.

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

Principal^® Real Start

As their accounts move to Principal^®, your participants get early access to financial wellness resources and a personalized digital onboarding experience.

Principal^® Real Start

Our best-in-class website is designed to build confidence and contributions.¹ Participants get help with personalized planning, and it’s quick to take action.

Principal^® Milestones

Principal^®app

With a 4.7 out of 5-star rating, our app provides quick answers and efficient transactions.⁷

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.

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