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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $56,407 |
Service code 27 · EIN 59-3331424 | Advisory (Plan) | $8,600 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $14,795 | $102,661-85.6% | $151,639-90.2% | $66,938-77.9% |
| Participation rate | 92.3% | 85.5%+6.8pp | 87.5%+4.8pp | 69.8%+22.5pp |
| Annual return | -16.08% | -10.81%-5.3pp | 3.34%-19.4pp | 1.58%-17.7pp |
| Employer contribution / active EE | $4,023 | $4,184-3.8% | $6,165-34.7% | $2,545+58.1% |
| Participant deferral / active EE | $7,494 | $6,645+12.8% | $8,363-10.4% | $4,238+76.8% |
| Admin fee / account holder | $266 | $630-57.8% | $11,613-97.7% | $594-55.2% |