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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PRINCPAL LIFE INSURANCE COMPANY Service code 13 · EIN 42-0127290 | Contract Administrator | $41,102 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $22,671 |
ORENDA RETIREMENT, LLC2 years Service code 13 · EIN 36-4877979 | Contract Administrator | $20,094 |
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 | Advisory (Plan) | $10 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,110 | $70,879-70.2% | $189,558-88.9% | $79,393-73.4% |
| Participation rate | 95.9% | 68.0%+27.9pp | 78.5%+17.4pp | 70.7%+25.2pp |
| Annual return | 16.86% | 20.70%-3.8pp | 64.19%-47.3pp | 116.87%-100.0pp |
| Employer contribution / active EE | $0 | $1,806-100.0% | $4,412-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $2,858 | $4,081-30.0% | $6,174-53.7% | $4,046-29.4% |
| Admin fee / account holder | $315 | $647-51.4% | $9,809-96.8% | $627-49.8% |