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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PRINCIPAL LIFE INSURANCE Service code 13 · EIN 42-0127290 | Contract Administrator | $63,079 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $27,446 |
DEFINITI LLC2 years Service code 13 · EIN 85-0833363 | Contract Administrator | $25,952 |
Filed as: WILSHIRE ADVISORS LLC 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $64,101 | $88,137-27.3% | $164,975-61.1% | $74,429-13.9% |
| Participation rate | 70.8% | 73.1%-2.3pp | 78.6%-7.8pp | 67.2%+3.6pp |
| Annual return | 11.10% | 17.13%-6.0pp | 70.12%-59.0pp | 1368.38%-1357.3pp |
| Employer contribution / active EE | $2,766 | $2,597+6.5% | $4,343-36.3% | $2,625+5.4% |
| Participant deferral / active EE | $3,744 | $4,501-16.8% | $6,033-38.0% | $4,348-13.9% |
| Admin fee / account holder | $333 | $2,231-85.1% | $12,688-97.4% | $1,944-82.9% |