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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $63,532 |
RETIREMENT ADVISORS, LLC2 years Service code 27 · EIN 30-0490764 | Advisory (Plan) | $34,931 |
MORNINGSTAR3 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $106,963 | $101,591+5.3% | $147,096-27.3% | $74,429+43.7% |
| Participation rate | 95.9% | 75.5%+20.4pp | 82.2%+13.7pp | 67.2%+28.7pp |
| Annual return | 11.75% | 8746.45%-8734.7pp | 419.75%-408.0pp | 1368.38%-1356.6pp |
| Employer contribution / active EE | $928 | $3,813-75.7% | $4,936-81.2% | $2,625-64.6% |
| Participant deferral / active EE | $8,437 | $7,302+15.5% | $8,071+4.5% | $4,348+94.0% |
| Admin fee / account holder | $347 | $1,750-80.2% | $13,005-97.3% | $1,944-82.2% |