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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $76,768 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $100,113 | $64,176+56.0% | $112,263-10.8% | $66,949+49.5% |
| Participation rate | 94.2% | 68.4%+25.7pp | 75.1%+19.1pp | 69.8%+24.4pp |
| Annual return | -15.79% | -13.80%-2.0pp | 27.49%-43.3pp | 1.57%-17.4pp |
| Employer contribution / active EE | $1,197 | $3,007-60.2% | $3,636-67.1% | $2,545-53.0% |
| Participant deferral / active EE | $6,450 | $3,694+74.6% | $4,729+36.4% | $4,239+52.2% |
| Admin fee / account holder | $415 | $626-33.7% | $6,410-93.5% | $594-30.1% |