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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $132,588 |
Filed as: CETERA INVESTMENT ADVISERS LLC Service code 27 · EIN 36-3258176 | Advisory (Plan) | $25,445 |
EIDE BAILLY LLP1 year Service code 10 · EIN 45-0250958 | Accounting | $17,325 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $96,770 | $106,264-8.9% | $147,117-34.2% | $77,762+24.4% |
| Participation rate | 51.0% | 78.4%-27.4pp | 82.2%-31.2pp | 70.6%-19.6pp |
| Annual return | 12.46% | 56.94%-44.5pp | 420.54%-408.1pp | 31.27%-18.8pp |
| Employer contribution / active EE | $2,162 | $4,074-46.9% | $4,932-56.2% | $2,728-20.7% |
| Participant deferral / active EE | $3,931 | $8,003-50.9% | $8,065-51.3% | $4,651-15.5% |
| Admin fee / account holder | $332 | $334-0.6% | $12,993-97.4% | $433-23.2% |