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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $83,020 |
Filed as: SPECTRUM INVESTMENT ADV. Service code 27 · EIN 39-1828175 | Advisory (Plan) | $66,588 |
Employer 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $79,393 | $185,342-57.2% | $111,308-28.7% | $86,821-8.6% |
| Participation rate | 81.5% | 81.0%+0.5pp | 77.3%+4.1pp | 72.3%+9.2pp |
| Annual return | 18.27% | 500.80%-482.5pp | 54.67%-36.4pp | 97.94%-79.7pp |
| Employer contribution / active EE | $615 | $2,246-72.6% | $2,732-77.5% | $2,406-74.4% |
| Participant deferral / active EE | $4,166 | $4,458-6.6% | $4,487-7.2% | $4,132+0.8% |
| Admin fee / account holder | $409 | $255+60.1% | $7,965-94.9% | $170+141.1% |