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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $134,727 |
CAPFINANCIAL PARTNERS LLC10+ years Service code 27 · EIN 26-0058143 | Advisory (Plan) | $76,989 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,623 | $89,054+7.4% | $102,457-6.7% | $77,692+23.1% |
| Participation rate | 99.6% | 80.9%+18.7pp | 76.5%+23.1pp | 70.6%+29.0pp |
| Annual return | 12.38% | 25.02%-12.6pp | 29.41%-17.0pp | 31.25%-18.9pp |
| Employer contribution / active EE | $3,004 | $2,698+11.4% | $3,022-0.6% | $2,726+10.2% |
| Participant deferral / active EE | $7,160 | $5,146+39.1% | $5,054+41.7% | $4,648+54.0% |
| Admin fee / account holder | $377 | $236+60.1% | $9,451-96.0% | $431-12.3% |