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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ALERA INVESTMENT ADVISORS, LLC Service code 27 · EIN 82-1301701 | Advisory (Plan) | $75,258 |
PRINCIPAL LIFE INSURANCE COMPANY11+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $54,322 |
HCJ CPAS & ADVISORS PLLC1 year Filed as: HCJ CPAS & ADVISORS Service code 10 · EIN 71-0650689 | Accounting | $16,619 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $37,349 | $57,921-35.5% | $98,716-62.2% | $103,975-64.1% |
| Participation rate | 91.6% | 68.8%+22.8pp | 69.3%+22.3pp | 72.5%+19.0pp |
| Annual return | 9.51% | 13.15%-3.6pp | 31.81%-22.3pp | 19.41%-9.9pp |
| Employer contribution / active EE | $935 | $1,595-41.4% | $2,279-59.0% | $3,722-74.9% |
| Participant deferral / active EE | $2,978 | $2,573+15.7% | $4,048-26.4% | $5,343-44.3% |
| Admin fee / account holder | $49 | $324-85.0% | $8,703-99.4% | $332-85.3% |