Standard 401k to Principal

Aug 13, 2026

This article will describe the file transformation that has been created in detamoov to transform the standard 401k file format to the Principal IPP Format file specifications. This transformation is used in a detamoov integration with Principal.

Source File	Destination file
Standard 401k	Principal

File Specifications

File Type Generated	Fixed Length
Header Row(s) Generated	No
Footer Row(s) Generated	No
End of Row Character	CRLF (Carriage Return Line Feed)
File Naming Generated	Test: TEST_[Plan ID]_[date in yyyyMMdd]_[time in HHmmssff].txt Production: [Plan ID]_[date in yyyyMMdd]_[time in HHmmssff].txt

Field Mappings

The tables below details the specific field mapping and transformation rules applied to ensure the Principal Payroll Contribution .txt format is created correctly from the standard 401k format.

180 Record - Basic Demographic Data

Field	Principal Field	Standard 401k Field	Field Size	Field Start	Field End	Details
2	Record Type		3	1	3	Default value: 180
3	Blank Space		1	4	4
4	Contract Number	PLAN ID	6	5	10
5	Blank Space		1	11	11
6	Social Security Number	SSN	9	12	20	Numeric Only
7	Blank Space		1	21	21
8	Employee Name	LAST NAME FIRST NAME	24	22	45	Concatenate To uppercase
9	Date of Birth	DOB	10	46	55	MM/DD/YYYY
10	Blank Space		1	56	56
11	Date of Employment	HIRE DATE	10	57	66	MM/DD/YYYY
12	Blank Space		1	67	67
13	Sex	GENDER	1	68	68	To uppercase
14	Location Number		7	69	75	Plan Specific field override
15	Blank Space		1	76	76
16	Social Security Number	SSN	9	77	85	Numeric Only
17	Blank Space		26	86	111
18	Alternate ID		20	112	131
19	Blank Space		1	132	132
20	Eligibility Hours	CURRENT PAY PERIOD HOURS WORKED	8	133	140
21	Blank Space		1	141	141
22	Hours Begin Date	PAY PERIOD START DATE	10	142	151	MM/DD/YYYY
23	Blank Space		1	152	152
24	Hours End Date	PAY PERIOD END DATE	10	153	162	MM/DD/YYYY
25	Blank Space		56	163	218
26	Benefit Event Date	TERMINATION DATE	10	219	228	MM/DD/YYYY
27	Blank Space		1	229	229
28	Vesting Hours	YTD HOURS WORKED	4	230	233	Plan Specific, remove mapping if not required
29	Benefit Event Reason		4	234	237	0001 = Termination 0003 = Retirement 0005 = Death 0007 = Disability 0009 = In company transfer 0050 = Retire Continue to Work
30	Blank Space		3	328	240

220 Record - Address Information

Field	Principal Field	Standard 401k Field	Field Size	Field Start	Field End	Details
32	Record Type		3	1	3	Default value: 220
33	Blank Space		1	4	4
34	Contract Number	PLAN ID	6	5	10
35	Blank Space		1	11	11
36	Identification Number	SSN	9	12	20	Numeric Only
37	Blank Space		1	21	21
38	Foreign Indicator		1	22	22	Default value: 2
39	Blank Space		1	23	23
40	Address Line 1	ADDRESS LINE 1	50	24	73	To Uppercase
41	Address Line 2	ADDRESS LINE 2	50	74	123	To Uppercase
42	Address Line 3		50	124	173
43	City	CITY	30	174	203	To Uppercase
44	State	STATE	2	204	205	To Uppercase
45	Zip	ZIP	5	206	210	Take first five digits
46	+4 for Zip		4	211	214
47	Blank Space		26	215	240

240 Record - Email and Phone Number

Field	Principal Field	Standard 401k Field	Field Size	Field Start	Field End	Details
49	Record Type		3	1	3	Default value: 240
50	Blank Space		1	4	4
51	Contract Number	PLAN ID	6	5	10
52	Blank Space		1	11	11
53	Social Security Number	SSN	9	12	20	Numeric Only
54	Blank Space		1	21	21
55	Work Email Address	EMAIL	75	22	96	To Uppercase
56	Personal Email Address		75	97	171
57	Work Phone Number		17	172	188
58	Work Phone Number Extension		7	189	195
59	Home Phone Number		17	196	212
60	Home Phone Number Extension		7	213	219
61	Mobile Phone Number		18	220	237
62	Blank Space		3	238	240

407 Record - Contributions

Field	Principal Field	Standard 401k Field	Field Size	Field Start	Field End	Details
64	Record Type		3	1	3	Default value: 407
65	Blank Space		1	4	4
66	Contract Number	PLAN ID	6	5	10
67	Blank Space		1	11	11
68	Social Security Number	SSN	9	12	20	Numeric Only
69	Blank Space		9	21	29
70	Investment Type		2	30	31	Default value: 00
71	Transaction Type		4	32	35	Default value: 0001
72	Pay Date	PAYROLL CHECK DATE	10	36	45	MM/DD/YYYY
73	Blank Space		27	46	72
74	Contribution Qualifier Type 1		1	73	73	L or C
75	Contribution Qualifier 1		3	74	76	Plan Specific
76	Contribution Amount 1		10	77	86	Plan Specific
77	Contribution Qualifier Type 2		1	87	87	L or C
78	Contribution Qualifier 2		3	88	90	Plan Specific
79	Contribution Amount 2		10	91	100	Plan Specific
80	Contribution Qualifier Type 3		1	101	101	L or C
81	Contribution Qualifier 3		3	102	104	Plan Specific
82	Contribution Amount 3		10	105	114	Plan Specific
83	Contribution Qualifier Type 4		1	115	115	L or C
84	Contribution Qualifier 4		3	116	118	Plan Specific
85	Contribution Amount 4		10	119	128	Plan Specific
86	Contribution Qualifier Type 5		1	129	129	L or C
87	Contribution Qualifier 5		3	130	132	Plan Specific
88	Contribution Amount 5		10	133	142	Plan Specific
89	Contribution Qualifier Type 6		1	143	143	L or C
90	Contribution Qualifier 6		3	144	146	Plan Specific
91	Contribution Amount 6		10	147	156	Plan Specific
92	Contribution Qualifier Type 7		1	157	157	L or C
93	Contribution Qualifier 7		3	158	160	Plan Specific
94	Contribution Amount 7		10	161	170	Plan Specific
95	Contribution Qualifier Type 8		1	171	171	L or C
96	Contribution Qualifier 8		3	172	147	Plan Specific
97	Contribution Amount 8		10	175	184	Plan Specific
98	Contribution Qualifier Type 9		1	185	185	L or C
99	Contribution Qualifier 9		3	186	188	Plan Specific
100	Contribution Amount 9		10	189	198	Plan Specific
101	Contribution Qualifier Type 10		1	199	199	L or C
102	Contribution Qualifier 10		3	200	202	Plan Specific
103	Contribution Amount 10		10	203	212	Plan Specific
104	Contribution Qualifier Type		1	213	213	L or C
105	Contribution Qualifier		3	214	216	Plan Specific
106	Contribution Amount		10	217	226	Plan Specific
107	Contribution Qualifier Type		1	227	227	L or C
108	Contribution Qualifier		3	228	230	Plan Specific
109	Contribution Amount		10	231	240	Plan Specific

408 Record - Loan 1 Payment

Field	Principal Field	Standard 401k Field	Field Size	Field Start	Field End	Details
111	Record Type		3	1	3	Default value: 408
112	Blank Space		1	4	4
113	Contract Number	PLAN ID	6	5	10
114	Blank Space		1	11	11
115	Social Security Number	SSN	9	12	20	Numeric Only
116	Blank Space		9	21	29
117	Investment Type		2	30	31	Default value: 00
118	Transaction Type		4	32	35	Default value: 0031
119	Pay Date	PAYROLL CHECK DATE	10	36	45	MM/DD/YYYY
120	Blank Space		11	46	56
121	Loan Number	401K LOAN 1 ID	3	57	59
122	Loan Payment Amount	401K LOAN 1 REPAYMENT	10	60	69	Round - Force 2 decimals EBCDIC Signed Replace/Remove - decimal with nothing Pad Left - 0
123	Loan Principal Payment Amount		10	70	79
124	Blank Space		161	80	240

408 Record - Loan 2 Payment

Field	Principal Field	Standard 401k Field	Field Size	Field Start	Field End	Details
126	Record Type		3	1	3	Default value: 408
127	Blank Space		1	4	4
128	Contract Number	PLAN ID	6	5	10
129	Blank Space		1	11	11
130	Social Security Number	SSN	9	12	20	Numeric Only
131	Blank Space		9	21	29
132	Investment Type		2	30	31	Default value: 00
133	Transaction Type		4	32	35	Default value: 0031
134	Pay Date	PAYROLL CHECK DATE	10	36	45	MM/DD/YYYY
135	Blank Space		11	46	56
136	Loan Number	401K LOAN 2 ID	3	57	59
137	Loan Payment Amount	401K LOAN 2 REPAYMENT	10	60	69	Round - Force 2 decimals EBCDIC Signed Replace/Remove - decimal with nothing Pad Left - 0
138	Loan Principal Payment Amount		10	70	79
139	Blank Space		161	80	240

181 Record - Rehire Information (if payroll sends a termination date)

Field	Principal Field	Standard 401k Field	Field Size	Field Start	Field End	Details
141	Record Type		3	1	3	Default value: 181
142	Blank Space		1	4	4
143	Contract Number	PLAN ID	6	5	10
144	Blank Space		1	11	11
145	Employee ID Number	SSN	9	12	20	Numeric Only
146	Blank Space		1	21	21
147	Employee Name	LAST NAME FIRST NAME	24	22	45	Concatenate To Uppercase
148	Blank Space		31	46	76
149	Social Security Number	SSN	9	77	85	Numeric Only
150	Blank Space		1	86	86
151	Rehire Date	REHIRE DATE	10	87	96	MM/DD/YYYY
152	Blank Space		144	97	240

181 Record - Rehire Information (if payroll does not sends a termination date)

Field	Principal Field	Standard 401k Field	Field Size	Field Start	Field End	Details
154	Record Type		3	1	3	Default value: 181
155	Blank Space		1	4	4
156	Contract Number	PLAN ID	6	5	10
157	Blank Space		1	11	11
158	Employee ID Number	SSN	9	12	20	Numeric Only
159	Blank Space		1	21	21
160	Employee Name	LAST NAME FIRST NAME	24	22	45	Concatenate To Uppercase
161	Blank Space		31	46	76
162	Social Security Number	SSN	9	77	85	Numeric Only
163	Blank Space		1	86	86
164	Rehire Date	REHIRE DATE	10	87	96	MM/DD/YYYY
165	Blank Space		144	97	240

500 Record - Footer (included if client has several bank accounts on Principal's website)

Principal Field	Standard 401k Field	Field Size	Field Start	Field End	Details
Principal Field	Standard 401k Field	Field Size	Field Start	Field End	Details
Record Type		3	1	3	Default Value: 500
Blank Space		1	4	4
Contract Number	PLAN ID	6	5	10
Blank Space		1	11	11
Identification Number		9	12	20	Zero-filled
Blank Space		122	21	142
ETF Code		7	143	149	Plan Specific
Blank Space		91	150	240

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