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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PRINICIPAL LIFE INSURANCE COMPANY Service code 13 · EIN 42-0127290 | Contract Administrator | $51,569 |
Service code 29 · EIN 20-4780677 | Legal | $27,859 |
LPL FINANCIAL5 years Filed as: LPL FINANCIAL LLC Service code 27 | Advisory (Plan) | $15,785 |
LPL FINANCIAL5 years Service code 27 · EIN 04-3046611 | Advisory (Plan) | $0 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,709 | $81,504-50.1% | $102,437-60.3% | $80,959-49.7% |
| Participation rate | 97.8% | 66.9%+31.0pp | 74.5%+23.3pp | 67.7%+30.1pp |
| Annual return | 13.55% | 25.60%-12.1pp | 24.95%-11.4pp | 35.67%-22.1pp |
| Employer contribution / active EE | $12,898 | $3,104+315.6% | $3,871+233.2% | $2,757+367.8% |
| Participant deferral / active EE | $0 | $3,871-100.0% | $5,060-100.0% | $4,300-100.0% |
| Admin fee / account holder | $441 | $6,719-93.4% | $8,388-94.7% | $6,925-93.6% |