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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $123,670 |
UBS FINANCIAL SERVICES INC10+ years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $47,931 |
MORNINGSTAR2 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,716 | $89,093-10.5% | $102,434-22.2% | $77,736+2.5% |
| Participation rate | 96.8% | 80.9%+15.9pp | 76.5%+20.3pp | 70.6%+26.2pp |
| Annual return | 17.97% | 25.03%-7.1pp | 29.46%-11.5pp | 31.26%-13.3pp |
| Employer contribution / active EE | $3,831 | $2,699+41.9% | $3,023+26.7% | $2,728+40.4% |
| Participant deferral / active EE | $5,778 | $5,147+12.3% | $5,055+14.3% | $4,651+24.2% |
| Admin fee / account holder | $368 | $236+56.1% | $9,462-96.1% | $433-15.0% |