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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $42,193 |
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $19,857 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $44,580 | $66,302-32.8% | $110,243-59.6% | $56,289-20.8% |
| Participation rate | 80.0% | 74.9%+5.1pp | 79.8%+0.2pp | 69.9%+10.1pp |
| Annual return | -7.36% | -1.18%-6.2pp | 314.76%-322.1pp | -9.96%+2.6pp |
| Employer contribution / active EE | $1,580 | $2,047-22.8% | $3,827-58.7% | $2,111-25.2% |
| Participant deferral / active EE | $2,400 | $3,381-29.0% | $4,672-48.6% | $3,350-28.4% |
| Admin fee / account holder | $391 | $698-44.1% | $8,548-95.4% | $521-25.0% |