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| Provider | Service type | Compensation |
|---|---|---|
ORENDA RETIREMENT, LLC7+ years Service code 13 · EIN 36-4877979 | Contract Administrator | $363,608 |
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $193,523 |
Service code 13 · EIN 27-3232902 | Contract Administrator | $66,446 |
MORNINGSTAR3 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
MORNINGSTAR3 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $24,155 | $53,204-54.6% | $155,556-84.5% | $200,096-87.9% |
| Participation rate | 22.3% | 64.1%-41.8pp | 78.2%-55.9pp | 72.0%-49.7pp |
| Annual return | 24.19% | 41.02%-16.8pp | 64.84%-40.6pp | 34.26%-10.1pp |
| Employer contribution / active EE | $242 | $1,850-86.9% | $4,675-94.8% | $3,038-92.0% |
| Participant deferral / active EE | $767 | $3,163-75.8% | $5,631-86.4% | $5,090-84.9% |
| Admin fee / account holder | $421 | $186+126.4% | $15,885-97.4% | $269+56.2% |