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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $173,899 |
CETERA ADVISOR NETWORKS LLC7+ years Filed as: CETERA ADVISORS LLC Service code 27 · EIN 84-0858799 | Advisory (Plan) | $61,817 |
ALLIANCE BENEFIT GROUP7+ years Filed as: ALLIANCE BENEFIT GROUP OF HOUSTON Service code 13 · EIN 76-0500416 | Contract Administrator | $46,987 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $234,275 | $133,040+76.1% | $119,258+96.4% | $79,391+195.1% |
| Participation rate | 99.4% | 80.9%+18.5pp | 82.7%+16.6pp | 70.7%+28.7pp |
| Annual return | 10.82% | 20.05%-9.2pp | 30.69%-19.9pp | 116.88%-106.1pp |
| Employer contribution / active EE | $4,610 | $4,390+5.0% | $4,384+5.2% | $2,428+89.9% |
| Participant deferral / active EE | $6,263 | $6,448-2.9% | $6,111+2.5% | $4,046+54.8% |
| Admin fee / account holder | $1,010 | $686+47.2% | $7,226-86.0% | $627+61.2% |