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| Provider | Service type | Compensation |
|---|---|---|
SPECTRUM INVESTMENT ADVISORS6 years Filed as: SPECTRUM INVESTMENT Service code 27 · EIN 39-1828175 | Advisory (Plan) | $66,961 |
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $61,646 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,653 | $99,168-24.7% | $96,534-22.7% | $74,460+0.3% |
| Participation rate | 80.2% | 80.7%-0.5pp | 76.0%+4.2pp | 70.7%+9.4pp |
| Annual return | 13.61% | 22.40%-8.8pp | 25.88%-12.3pp | 34.38%-20.8pp |
| Employer contribution / active EE | $1,260 | $2,570-51.0% | $2,965-57.5% | $2,638-52.2% |
| Participant deferral / active EE | $5,176 | $4,936+4.8% | $4,851+6.7% | $4,530+14.3% |
| Admin fee / account holder | $342 | $225+52.1% | $8,253-95.9% | $348-1.7% |