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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 | $64,734+79.8% | $90,796+28.2% | $64,097+81.6% |
| Participation rate | 78.4% | 53.2%+25.2pp | 69.5%+8.9pp | 55.2%+23.2pp |
| Annual return | 15.54% | 17.77%-2.2pp | 19.29%-3.8pp | 34.64%-19.1pp |
| Employer contribution / active EE | $1,964 | $1,703+15.4% | $2,294-14.4% | $1,891+3.9% |
| Participant deferral / active EE | $7,116 | $2,629+170.6% | $3,822+86.2% | $3,080+131.1% |
| Admin fee / account holder | $509 | $3,474-85.4% | $7,024-92.8% | $3,454-85.3% |