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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $29,068 |
IMA WEALTH INC7 years Service code 27 · EIN 48-1233289 | Advisory (Plan) | $24,775 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MGMT LLC Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
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.)
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 | $114,718 | $49,199+133.2% | $121,210-5.4% | $75,177+52.6% |
| Participation rate | 69.4% | 55.4%+14.0pp | 69.5%-0.1pp | 67.2%+2.2pp |
| Annual return | 15.41% | 56.04%-40.6pp | 987.41%-972.0pp | 160.75%-145.3pp |
| Employer contribution / active EE | $4,318 | $1,547+179.0% | $4,171+3.5% | $2,671+61.6% |
| Participant deferral / active EE | $6,183 | $2,630+135.1% | $4,084+51.4% | $4,126+49.8% |
| Admin fee / account holder | $434 | $3,946-89.0% | $5,647-92.3% | $5,651-92.3% |