Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| 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 | $78,529+0.6% | $105,591-25.2% | $74,400+6.2% |
| Participation rate | 44.6% | 72.8%-28.2pp | 75.3%-30.7pp | 67.2%-22.6pp |
| Annual return | 11.70% | 15.94%-4.2pp | 116.43%-104.7pp | 1367.51%-1355.8pp |
| Employer contribution / active EE | $278 | $2,522-89.0% | $3,166-91.2% | $2,624-89.4% |
| Participant deferral / active EE | $2,358 | $4,321-45.4% | $5,008-52.9% | $4,348-45.8% |
| Admin fee / account holder | $442 | $2,216-80.0% | $11,024-96.0% | $1,944-77.2% |