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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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,646 | $43,496-11.2% | $161,489-76.1% | $64,340-39.9% |
| Participation rate | 70.0% | 53.5%+16.4pp | 78.7%-8.7pp | 55.2%+14.7pp |
| Annual return | 10.18% | 20.76%-10.6pp | 89.72%-79.5pp | 24.14%-14.0pp |
| Employer contribution / active EE | $724 | $1,431-49.4% | $4,268-83.0% | $1,862-61.1% |
| Participant deferral / active EE | $2,151 | $1,996+7.8% | $5,630-61.8% | $2,980-27.8% |
| Admin fee / account holder | $280 | $2,330-88.0% | $16,006-98.3% | $3,703-92.4% |