Filed October 24, 2024
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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $103,919 |
CETERA ADVISOR NETWORKS LLC10+ years Filed as: CETERA ADVISORS LLC Service code 49 · EIN 84-0858799 | Other Services | $26,025 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $124,160 | $59,448+108.9% | $93,696+32.5% | $74,459+66.7% |
| Participation rate | 92.8% | 59.6%+33.2pp | 68.7%+24.1pp | 67.2%+25.6pp |
| Annual return | 14.26% | 82.11%-67.9pp | 133.74%-119.5pp | 1369.70%-1355.4pp |
| Employer contribution / active EE | $1,373 | $1,266+8.4% | $2,422-43.3% | $2,626-47.7% |
| Participant deferral / active EE | $6,980 | $3,052+128.7% | $4,417+58.0% | $4,350+60.5% |
| Admin fee / account holder | $387 | $3,027-87.2% | $8,287-95.3% | $1,945-80.1% |