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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $321,546 |
NBC SECURITIES INC10+ years Service code 49 · EIN 63-0923499 | Other Services | $102,313 |
Filed as: PEARCE,BEVILL,LEESBURG Service code 10 · EIN 63-0813240 | Accounting | $32,623 |
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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $78,796 | $110,258-28.5% | $102,460-23.1% | $200,096-60.6% |
| Participation rate | 59.5% | 86.3%-26.8pp | 76.5%-17.0pp | 72.0%-12.5pp |
| Annual return | 13.77% | 35.78%-22.0pp | 29.47%-15.7pp | 34.26%-20.5pp |
| Employer contribution / active EE | $1,239 | $3,605-65.6% | $3,025-59.0% | $3,038-59.2% |
| Participant deferral / active EE | $3,099 | $6,377-51.4% | $5,056-38.7% | $5,090-39.1% |
| Admin fee / account holder | $430 | $122+251.5% | $9,460-95.5% | $269+59.6% |