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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $264,989 |
EDWARD JONES10+ years Service code 27 · EIN 43-0345811 | Advisory (Plan) | $107,951 |
NOVA 401(K) ASSOCIATES10+ years Filed as: NOVA 401K ASSOCIATES Service code 49 · EIN 20-1181458 | Other Services | $22,487 |
MORNINGSTAR1 year 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 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $115,803 | $116,081-0.2% | $156,181-25.9% | $79,634+45.4% |
| Participation rate | 74.1% | 75.6%-1.5pp | 78.8%-4.8pp | 62.5%+11.6pp |
| Annual return | 20.21% | 15.89%+4.3pp | 64.87%-44.7pp | 36.46%-16.2pp |
| Employer contribution / active EE | $3,304 | $2,828+16.8% | $4,294-23.1% | $2,529+30.6% |
| Participant deferral / active EE | $6,171 | $4,584+34.6% | $6,132+0.6% | $3,835+60.9% |
| Admin fee / account holder | $379 | $854-55.7% | $14,586-97.4% | $1,002-62.2% |