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Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| 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 | $45,343-14.8% | $150,298-74.3% | $67,986-43.2% |
| Participation rate | 70.0% | 51.9%+18.1pp | 77.8%-7.8pp | 57.2%+12.7pp |
| Annual return | 10.18% | 33.28%-23.1pp | 62.79%-52.6pp | 31.67%-21.5pp |
| Employer contribution / active EE | $724 | $1,462-50.5% | $4,154-82.6% | $2,019-64.1% |
| Participant deferral / active EE | $2,151 | $2,055+4.7% | $5,453-60.5% | $3,358-35.9% |
| Admin fee / account holder | $280 | $2,250-87.6% | $14,116-98.0% | $3,203-91.3% |