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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $83,567 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $16,775 |
QUALIFIED PLAN CONSULTANS2 years Filed as: QUALFIED PLAN CONSULTANTS Service code 49 | Other Services | $4,194 |
QUALIFIED PLANS, LLC6 years Filed as: QUALIFIED PLAN CONSULTANTS, LLC Service code 49 · EIN 20-0223513 | Other Services | $0 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $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.)
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 | $82,595 | $54,245+52.3% | $93,727-11.9% | $77,762+6.2% |
| Participation rate | 43.6% | 63.9%-20.4pp | 68.7%-25.1pp | 70.6%-27.0pp |
| Annual return | 12.87% | 30.58%-17.7pp | 133.83%-121.0pp | 31.27%-18.4pp |
| Employer contribution / active EE | $0 | $1,168-100.0% | $2,421-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,365 | $3,144-24.8% | $4,417-46.5% | $4,651-49.1% |
| Admin fee / account holder | $492 | $575-14.6% | $8,292-94.1% | $433+13.6% |