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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PRINICIPAL LIFE INSURANCE COMPANY Service code 13 · EIN 42-0127290 | Contract Administrator | $37,876 |
Service code 29 · EIN 20-4780677 | Legal | $21,574 |
LPL FINANCIAL4 years Filed as: LPL FINANCIAL LLC Service code 27 | Advisory (Plan) | $11,688 |
LPL FINANCIAL4 years Service code 27 · EIN 04-3046611 | 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 | $35,828 | $76,696-53.3% | $96,538-62.9% | $71,529-49.9% |
| Participation rate | 100.0% | 66.6%+33.4pp | 74.3%+25.7pp | 67.9%+32.1pp |
| Annual return | 17.20% | 48.32%-31.1pp | 35.74%-18.5pp | 28.97%-11.8pp |
| Employer contribution / active EE | $13,558 | $3,032+347.2% | $3,740+262.5% | $2,590+423.5% |
| Participant deferral / active EE | $0 | $3,770-100.0% | $4,880-100.0% | $4,291-100.0% |
| Admin fee / account holder | $324 | $2,030-84.1% | $6,737-95.2% | $1,588-79.6% |