Filed February 12, 2026
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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $136,136 |
UBS FINANCIAL SERVICES INC6+ years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $67,631 |
WILSHIRE ASSOCIATES INCORPORATED6+ 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $172,997 | $78,275+121.0% | $109,188+58.4% | $86,821+99.3% |
| Participation rate | 99.3% | 73.8%+25.4pp | 75.9%+23.4pp | 72.3%+27.0pp |
| Annual return | 15.10% | 19.14%-4.0pp | 25.76%-10.7pp | 97.94%-82.8pp |
| Employer contribution / active EE | $2,143 | $3,105-31.0% | $3,723-42.4% | $2,406-10.9% |
| Participant deferral / active EE | $11,278 | $3,641+209.8% | $4,654+142.3% | $4,132+173.0% |
| Admin fee / account holder | $445 | $198+124.2% | $6,755-93.4% | $170+162.3% |