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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $30,487 |
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $7,455 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $12,444 | $77,908-84.0% | $149,696-91.7% | $75,173-83.4% |
| Participation rate | 42.5% | 65.6%-23.1pp | 78.8%-36.3pp | 67.2%-24.7pp |
| Annual return | 9.03% | 31.73%-22.7pp | 134.46%-125.4pp | 160.72%-151.7pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $11,040 | $3,411+223.6% | $5,682+94.3% | $4,126+167.5% |
| Admin fee / account holder | $314 | $5,950-94.7% | $13,212-97.6% | $5,651-94.4% |