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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $60,967 |
FROST BANK2 years Filed as: FROST BROKERAGE SERVICES INC Service code 49 · EIN 74-2404030 | Other Services | $10,825 |
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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,646 | $49,915-22.6% | $154,803-75.0% | $74,304-48.0% |
| Participation rate | 70.0% | 54.0%+16.0pp | 78.1%-8.1pp | 60.3%+9.6pp |
| Annual return | 10.18% | 34.06%-23.9pp | 58.88%-48.7pp | 29.43%-19.2pp |
| Employer contribution / active EE | $724 | $1,611-55.1% | $4,305-83.2% | $2,241-67.7% |
| Participant deferral / active EE | $2,151 | $2,255-4.6% | $5,540-61.2% | $3,767-42.9% |
| Admin fee / account holder | $280 | $2,189-87.2% | $14,329-98.0% | $2,969-90.6% |