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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $139,332 |
Filed as: MML INVESTORS SERVICES LLC Service code 27 · EIN 04-2746212 | Advisory (Plan) | $42,589 |
Service code 27 · EIN 99-1321623 | Advisory (Plan) | $25,409 |
MORNINGSTAR3 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $80,641 | $106,028-23.9% | $146,958-45.1% | $77,643+3.9% |
| Participation rate | 45.5% | 78.4%-32.9pp | 82.2%-36.7pp | 70.6%-25.1pp |
| Annual return | 12.27% | 56.73%-44.5pp | 418.34%-406.1pp | 31.24%-19.0pp |
| Employer contribution / active EE | $2,450 | $4,063-39.7% | $4,933-50.3% | $2,726-10.1% |
| Participant deferral / active EE | $6,024 | $7,990-24.6% | $8,070-25.3% | $4,647+29.6% |
| Admin fee / account holder | $310 | $337-8.2% | $12,998-97.6% | $430-28.1% |