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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $83,686 |
CREATIVE PLANNING LLC2+ years Filed as: CREATIVE PLANNING, INC. Service code 27 · EIN 43-1270780 | Advisory (Plan) | $36,908 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,677 | $88,203-7.4% | $165,100-50.5% | $74,478+9.7% |
| Participation rate | 97.7% | 73.1%+24.6pp | 78.6%+19.1pp | 67.2%+30.5pp |
| Annual return | 13.93% | 17.13%-3.2pp | 70.21%-56.3pp | 1370.56%-1356.6pp |
| Employer contribution / active EE | $2,899 | $2,601+11.5% | $4,348-33.3% | $2,626+10.4% |
| Participant deferral / active EE | $5,643 | $4,505+25.3% | $6,035-6.5% | $4,350+29.7% |
| Admin fee / account holder | $427 | $2,235-80.9% | $12,696-96.6% | $1,946-78.1% |