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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 | $87,465+6.3% | $122,979-24.4% | $65,306+42.3% |
| Participation rate | 92.4% | 66.0%+26.4pp | 77.2%+15.2pp | 57.7%+34.7pp |
| Annual return | 10.39% | 19.76%-9.4pp | 20.12%-9.7pp | 21.94%-11.5pp |
| Employer contribution / active EE | $0 | $2,156-100.0% | $3,062-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $5,211 | $3,705+40.6% | $5,003+4.2% | $2,959+76.1% |
| Admin fee / account holder | $434 | $5,100-91.5% | $12,864-96.6% | $3,480-87.5% |