Filed February 12, 2026
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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $119,704 |
UBS FINANCIAL SERVICES INC5+ years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $58,248 |
WILSHIRE ASSOCIATES INCORPORATED5+ years 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $140,642 | $91,517+53.7% | $101,275+38.9% | $73,412+91.6% |
| Participation rate | 99.3% | 73.8%+25.5pp | 75.8%+23.4pp | 72.2%+27.1pp |
| Annual return | 16.87% | 17.17%-0.3pp | 46.48%-29.6pp | 59.30%-42.4pp |
| Employer contribution / active EE | $2,324 | $2,877-19.2% | $3,660-36.5% | $2,234+4.0% |
| Participant deferral / active EE | $10,333 | $3,338+209.5% | $4,371+136.4% | $3,806+171.5% |
| Admin fee / account holder | $385 | $216+78.3% | $5,948-93.5% | $158+143.8% |