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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $75,937 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 49 · EIN 26-4310632 | Other Services | $37,927 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $92,944 | $85,515+8.7% | $112,040-17.0% | $67,986+36.7% |
| Participation rate | 92.4% | 68.2%+24.2pp | 76.5%+15.9pp | 57.2%+35.2pp |
| Annual return | 10.39% | 29.68%-19.3pp | 24.52%-14.1pp | 31.67%-21.3pp |
| Employer contribution / active EE | $0 | $2,191-100.0% | $2,954-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $5,211 | $4,014+29.8% | $5,098+2.2% | $3,358+55.2% |
| Admin fee / account holder | $434 | $3,774-88.5% | $12,098-96.4% | $3,203-86.5% |