Filed April 16, 2026
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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $58,321 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $18,078 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $62,214 | $89,739-30.7% | $149,721-58.4% | $62,293-0.1% |
| Participation rate | 98.2% | 85.1%+13.1pp | 87.1%+11.1pp | 69.5%+28.7pp |
| Annual return | 14.90% | 21.01%-6.1pp | 1501.67%-1486.8pp | 28.90%-14.0pp |
| Employer contribution / active EE | $3,825 | $3,233+18.3% | $5,444-29.7% | $2,042+87.3% |
| Participant deferral / active EE | $3,677 | $4,797-23.3% | $6,568-44.0% | $3,169+16.0% |
| Admin fee / account holder | $324 | $551-41.2% | $11,282-97.1% | $479-32.4% |