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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 | $81,777+77.2% | $148,496-2.4% | $69,733+107.8% |
| Participation rate | 86.6% | 70.9%+15.7pp | 76.0%+10.5pp | 62.5%+24.1pp |
| Annual return | 4.90% | 14.38%-9.5pp | 12.33%-7.4pp | 15.22%-10.3pp |
| Employer contribution / active EE | $4,416 | $2,488+77.5% | $3,497+26.3% | $2,250+96.2% |
| Participant deferral / active EE | $10,428 | $3,367+209.7% | $4,808+116.9% | $3,054+241.4% |
| Admin fee / account holder | $336 | $2,991-88.8% | $19,547-98.3% | $3,102-89.2% |