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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $109,287 |
COMMONWEALTH FINANCIAL NETWORK9+ years Service code 27 · EIN 04-2675571 | Advisory (Plan) | $71,236 |
DEFINITI LLC1 year Filed as: DEFINITI, LLC Service code 13 · EIN 85-0833363 | Contract Administrator | $14,883 |
WILSHIRE ASSOCIATES INCORPORATED9+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,704 | $78,562-54.6% | $105,608-66.2% | $74,429-52.0% |
| Participation rate | 87.4% | 72.8%+14.6pp | 75.3%+12.1pp | 67.2%+20.2pp |
| Annual return | 18.73% | 15.94%+2.8pp | 116.50%-97.8pp | 1368.38%-1349.7pp |
| Employer contribution / active EE | $1,866 | $2,521-26.0% | $3,167-41.1% | $2,625-28.9% |
| Participant deferral / active EE | $4,578 | $4,321+5.9% | $5,010-8.6% | $4,348+5.3% |
| Admin fee / account holder | $499 | $2,217-77.5% | $11,028-95.5% | $1,944-74.3% |