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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $57,711 |
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $26,157 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,265 | $58,969+25.9% | $129,406-42.6% | $77,762-4.5% |
| Participation rate | 42.7% | 59.5%-16.8pp | 69.6%-27.0pp | 70.6%-27.9pp |
| Annual return | 11.45% | 24.78%-13.3pp | 9468.18%-9456.7pp | 31.27%-19.8pp |
| Employer contribution / active EE | $1,202 | $1,959-38.7% | $4,155-71.1% | $2,728-56.0% |
| Participant deferral / active EE | $2,984 | $3,224-7.5% | $4,167-28.4% | $4,651-35.8% |
| Admin fee / account holder | $368 | $593-38.0% | $7,689-95.2% | $433-15.1% |