Filed February 12, 2026
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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $130,485 |
UBS FINANCIAL SERVICES INC9+ years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $71,964 |
MORNINGSTAR3 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 | $215,322 | $82,979+159.5% | $102,412+110.3% | $77,736+177.0% |
| Participation rate | 95.1% | 71.5%+23.6pp | 74.5%+20.6pp | 70.6%+24.6pp |
| Annual return | 14.62% | 19.11%-4.5pp | 24.94%-10.3pp | 31.26%-16.6pp |
| Employer contribution / active EE | $2,250 | $3,554-36.7% | $3,870-41.9% | $2,728-17.5% |
| Participant deferral / active EE | $14,176 | $4,109+245.0% | $5,060+180.1% | $4,651+204.8% |
| Admin fee / account holder | $434 | $639-32.1% | $8,388-94.8% | $4330% |