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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $37,361 |
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $7,737 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,853 | $33,067+23.5% | $76,518-46.6% | $56,289-27.4% |
| Participation rate | 49.0% | 55.4%-6.4pp | 68.0%-19.0pp | 69.9%-20.8pp |
| Annual return | -4.12% | 2.72%-6.8pp | -0.27%-3.9pp | -9.96%+5.8pp |
| Employer contribution / active EE | $579 | $1,200-51.8% | $2,647-78.1% | $2,111-72.6% |
| Participant deferral / active EE | $2,459 | $2,240+9.8% | $3,836-35.9% | $3,350-26.6% |
| Admin fee / account holder | $322 | $537-40.0% | $4,849-93.4% | $521-38.2% |