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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 | $43,749-11.7% | $158,223-75.6% | $65,306-40.8% |
| Participation rate | 70.0% | 56.9%+13.1pp | 79.2%-9.2pp | 57.7%+12.3pp |
| Annual return | 10.18% | 19.41%-9.2pp | 52.09%-41.9pp | 21.94%-11.8pp |
| Employer contribution / active EE | $724 | $1,497-51.7% | $4,109-82.4% | $1,967-63.2% |
| Participant deferral / active EE | $2,151 | $2,019+6.6% | $5,467-60.6% | $2,959-27.3% |
| Admin fee / account holder | $280 | $1,930-85.5% | $16,047-98.3% | $3,480-92.0% |