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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $48,006 |
Service code 27 · EIN 36-4291971 | Advisory (Plan) | $22,397 |
MORNINGSTAR2 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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $107,525 | $93,617+14.9% | $135,982-20.9% | $75,177+43.0% |
| Participation rate | 63.4% | 75.2%-11.8pp | 81.9%-18.5pp | 67.2%-3.8pp |
| Annual return | 16.32% | 30.89%-14.6pp | 68.32%-52.0pp | 160.75%-144.4pp |
| Employer contribution / active EE | $2,944 | $3,538-16.8% | $4,859-39.4% | $2,671+10.2% |
| Participant deferral / active EE | $3,642 | $6,406-43.1% | $7,760-53.1% | $4,126-11.7% |
| Admin fee / account holder | $480 | $6,980-93.1% | $10,767-95.5% | $5,651-91.5% |