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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 | $60,393+216.6% | $81,820+133.7% | $74,429+156.9% |
| Participation rate | 97.1% | 62.9%+34.2pp | 72.4%+24.7pp | 67.2%+29.9pp |
| Annual return | 11.05% | 16.89%-5.8pp | 777.93%-766.9pp | 1368.38%-1357.3pp |
| Employer contribution / active EE | $10,496 | $2,626+299.6% | $2,915+260.1% | $2,625+299.9% |
| Participant deferral / active EE | $9,079 | $3,397+167.3% | $4,323+110.0% | $4,348+108.8% |
| Admin fee / account holder | $919 | $1,491-38.3% | $7,391-87.6% | $1,944-52.7% |