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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $54,429 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $38,878 |
MORNINGSTAR3+ years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $116,424 | $63,904+82.2% | $89,340+30.3% | $67,986+71.2% |
| Participation rate | 78.4% | 54.3%+24.1pp | 69.6%+8.9pp | 57.2%+21.2pp |
| Annual return | 15.54% | 18.09%-2.6pp | 20.57%-5.0pp | 31.67%-16.1pp |
| Employer contribution / active EE | $1,964 | $1,627+20.7% | $2,231-12.0% | $2,019-2.7% |
| Participant deferral / active EE | $7,116 | $2,691+164.5% | $3,823+86.2% | $3,358+111.9% |
| Admin fee / account holder | $509 | $3,315-84.7% | $6,704-92.4% | $3,203-84.1% |