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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 | $89,123+7.3% | $102,460-6.7% | $77,762+23.0% |
| Participation rate | 99.6% | 80.9%+18.7pp | 76.5%+23.1pp | 70.6%+29.0pp |
| Annual return | 12.38% | 25.05%-12.7pp | 29.47%-17.1pp | 31.27%-18.9pp |
| Employer contribution / active EE | $3,004 | $2,700+11.3% | $3,025-0.7% | $2,728+10.1% |
| Participant deferral / active EE | $7,160 | $5,148+39.1% | $5,056+41.6% | $4,651+53.9% |
| Admin fee / account holder | $377 | $236+60.0% | $9,460-96.0% | $433-12.8% |