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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $44,916 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $17,740 |
Filed as: WELLTH ADVISORY SERVICES, LLC Service code 27 · EIN 99-2539506 | Advisory (Plan) | $5,923 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $79,027 | $78,636+0.5% | $105,607-25.2% | $74,459+6.1% |
| Participation rate | 44.6% | 72.8%-28.2pp | 75.3%-30.7pp | 67.2%-22.7pp |
| Annual return | 11.70% | 15.96%-4.3pp | 116.11%-104.4pp | 1369.70%-1358.0pp |
| Employer contribution / active EE | $278 | $2,523-89.0% | $3,167-91.2% | $2,626-89.4% |
| Participant deferral / active EE | $2,358 | $4,322-45.4% | $5,011-52.9% | $4,350-45.8% |
| Admin fee / account holder | $442 | $2,220-80.1% | $10,958-96.0% | $1,945-77.3% |