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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $169,910 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $67,550 |
Filed as: WELLTH ADVISORY SERVICES, LLC Service code 27 · EIN 99-2539506 | Advisory (Plan) | $51,595 |
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 | $224,161 | $88,186+154.2% | $165,071+35.8% | $74,459+201.1% |
| Participation rate | 86.8% | 73.1%+13.6pp | 78.6%+8.1pp | 67.2%+19.5pp |
| Annual return | 10.66% | 17.13%-6.5pp | 70.17%-59.5pp | 1369.70%-1359.0pp |
| Employer contribution / active EE | $15,806 | $2,600+507.9% | $4,347+263.6% | $2,626+502.0% |
| Participant deferral / active EE | $4,047 | $4,505-10.1% | $6,035-32.9% | $4,350-6.9% |
| Admin fee / account holder | $590 | $2,234-73.6% | $12,695-95.4% | $1,945-69.7% |