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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $44,602 |
MORNINGSTAR3 years 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 |
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.)
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 | $85,671 | $52,450+63.3% | $129,384-33.8% | $74,459+15.1% |
| Participation rate | 44.5% | 53.8%-9.4pp | 69.6%-25.1pp | 67.2%-22.7pp |
| Annual return | 15.43% | 15.65%-0.2pp | 9461.77%-9446.3pp | 1369.70%-1354.3pp |
| Employer contribution / active EE | $475 | $1,532-69.0% | $4,153-88.6% | $2,626-81.9% |
| Participant deferral / active EE | $2,213 | $2,797-20.9% | $4,166-46.9% | $4,350-49.1% |
| Admin fee / account holder | $310 | $2,636-88.2% | $7,686-96.0% | $1,945-84.1% |