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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 711 HIGH ST · DES MOINES, IA 50392 | Contract Administrator | $81,883 |
PSI ADVISORS LLC5 years Service code 27 · EIN 81-4230782 | Advisory (Plan) | $24,583 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 | Other Services | $22,089 |
Filed as: JANET A. PANEBIANCO, CPA,PLLC Service code 49 | Other Services | $9,204 |
Filed as: JANET A. PANEBIANCO,CPA, PLLC Service code 49 · EIN 71-1039549 | Other Services | $0 |
Filed as: PRINCIPAL SECURITIES, INC Service code 49 · EIN 42-0941553 | Other Services | $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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,836 | $71,142-0.4% | $119,622-40.8% | $64,819+9.3% |
| Participation rate | 53.6% | 78.6%-25.0pp | 79.3%-25.6pp | 71.5%-17.8pp |
| Annual return | -18.11% | -10.01%-8.1pp | -14.98%-3.1pp | 32.84%-51.0pp |
| Employer contribution / active EE | $1,505 | $2,497-39.8% | $4,232-64.4% | $2,507-40.0% |
| Participant deferral / active EE | $2,870 | $4,490-36.1% | $5,601-48.8% | $4,311-33.4% |
| Admin fee / account holder | $325 | $162+100.4% | $10,328-96.9% | $188+73.0% |