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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $49,243 |
SPECTRUM INVESTMENT ADVISORS8 years Filed as: SPECTRUM INVESTMENT ADVI Service code 27 · EIN 39-1828175 | Advisory (Plan) | $40,246 |
SPECTRUM INVESTMENT ADVISORS7 years Filed as: SPECTRUM INVESTMENT Service code 27 · EIN 39-1816008 | Advisory (Plan) | $12,038 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,522 | $79,209+9.2% | $102,434-15.5% | $74,459+16.2% |
| Participation rate | 68.7% | 74.8%-6.1pp | 76.5%-7.8pp | 67.2%+1.5pp |
| Annual return | 7.82% | 54.98%-47.2pp | 29.46%-21.6pp | 1369.70%-1361.9pp |
| Employer contribution / active EE | $1,232 | $2,362-47.8% | $3,023-59.2% | $2,626-53.1% |
| Participant deferral / active EE | $4,007 | $4,417-9.3% | $5,055-20.7% | $4,350-7.9% |
| Admin fee / account holder | $398 | $2,002-80.1% | $9,462-95.8% | $1,945-79.5% |