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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $128,776 |
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO ADVISORS FIN NETWORK Service code 27 · EIN 48-1305000 | Advisory (Plan) | $66,663 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $107,076 | $89,093+20.2% | $102,434+4.5% | $77,736+37.7% |
| Participation rate | 42.7% | 80.9%-38.2pp | 76.5%-33.8pp | 70.6%-27.8pp |
| Annual return | 10.17% | 25.03%-14.9pp | 29.46%-19.3pp | 31.26%-21.1pp |
| Employer contribution / active EE | $1,194 | $2,699-55.8% | $3,023-60.5% | $2,728-56.2% |
| Participant deferral / active EE | $2,166 | $5,147-57.9% | $5,055-57.2% | $4,651-53.4% |
| Admin fee / account holder | $415 | $236+76.1% | $9,462-95.6% | $433-4.1% |