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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $79,702 |
SPECTRUM INVESTMENT ADVISORS6 years Filed as: SPECTRUM INVESTMENT ADVI Service code 27 · EIN 39-1828175 | Advisory (Plan) | $65,151 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $68,751 | $72,303-4.9% | $86,698-20.7% | $64,824+6.1% |
| Participation rate | 81.6% | 80.4%+1.2pp | 76.6%+5.0pp | 71.5%+10.1pp |
| Annual return | -10.57% | 392.77%-403.3pp | 35.96%-46.5pp | 32.84%-43.4pp |
| Employer contribution / active EE | $1,220 | $2,393-49.0% | $2,837-57.0% | $2,507-51.4% |
| Participant deferral / active EE | $4,752 | $4,660+2.0% | $4,656+2.0% | $4,311+10.2% |
| Admin fee / account holder | $407 | $174+133.9% | $7,492-94.6% | $188+116.7% |