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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $96,493 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $33,683 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
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.
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 | $144,894 | $76,383+89.7% | $121,663+19.1% | $64,340+125.2% |
| Participation rate | 86.6% | 60.4%+26.1pp | 74.5%+12.1pp | 55.2%+31.3pp |
| Annual return | 4.90% | 16.98%-12.1pp | 147.54%-142.6pp | 24.14%-19.2pp |
| Employer contribution / active EE | $4,416 | $1,943+127.3% | $3,020+46.2% | $1,862+137.2% |
| Participant deferral / active EE | $10,428 | $3,149+231.1% | $4,887+113.4% | $2,980+249.9% |
| Admin fee / account holder | $336 | $4,142-91.9% | $14,289-97.6% | $3,703-90.9% |