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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $89,034 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING, INC. Service code 27 · EIN 43-1270780 | Advisory (Plan) | $51,961 |
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).
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 | $190,067 | $79,223+139.9% | $102,460+85.5% | $74,478+155.2% |
| Participation rate | 75.9% | 74.8%+1.2pp | 76.5%-0.6pp | 67.2%+8.7pp |
| Annual return | 13.42% | 54.98%-41.6pp | 29.47%-16.0pp | 1370.56%-1357.1pp |
| Employer contribution / active EE | $2,019 | $2,363-14.6% | $3,025-33.3% | $2,626-23.1% |
| Participant deferral / active EE | $5,999 | $4,417+35.8% | $5,056+18.7% | $4,350+37.9% |
| Admin fee / account holder | $768 | $2,003-61.7% | $9,460-91.9% | $1,946-60.6% |