Filed February 12, 2026
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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $107,048 |
UBS FINANCIAL SERVICES INC8+ years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $69,628 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $188,807 | $93,010+103.0% | $96,538+95.6% | $74,473+153.5% |
| Participation rate | 96.4% | 71.6%+24.9pp | 74.3%+22.1pp | 70.7%+25.7pp |
| Annual return | 20.40% | 37.50%-17.1pp | 35.74%-15.3pp | 34.36%-14.0pp |
| Employer contribution / active EE | $2,278 | $3,427-33.5% | $3,740-39.1% | $2,638-13.6% |
| Participant deferral / active EE | $13,339 | $3,971+235.9% | $4,880+173.3% | $4,530+194.4% |
| Admin fee / account holder | $370 | $633-41.5% | $6,737-94.5% | $347+6.7% |