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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $200,363 |
Filed as: ALERA INVESTMENT ADVISORS, LLC Service code 27 · EIN 82-1301701 | Advisory (Plan) | $76,345 |
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.
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 | $191,194 | $60,261+217.3% | $81,783+133.8% | $74,546+156.5% |
| Participation rate | 97.1% | 62.9%+34.2pp | 72.4%+24.7pp | 67.2%+29.9pp |
| Annual return | 11.05% | 16.88%-5.8pp | 775.05%-764.0pp | 1366.03%-1355.0pp |
| Employer contribution / active EE | $10,496 | $2,622+300.4% | $2,913+260.4% | $2,624+300.0% |
| Participant deferral / active EE | $9,079 | $3,388+168.0% | $4,320+110.1% | $4,347+108.8% |
| Admin fee / account holder | $919 | $1,482-38.0% | $7,380-87.5% | $1,944-52.7% |