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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 | $80,705+79.5% | $115,768+25.2% | $67,986+113.1% |
| Participation rate | 86.6% | 63.0%+23.6pp | 74.4%+12.2pp | 57.2%+29.4pp |
| Annual return | 4.90% | 18.49%-13.6pp | 100.46%-95.6pp | 31.67%-26.8pp |
| Employer contribution / active EE | $4,416 | $2,046+115.8% | $2,940+50.2% | $2,019+118.7% |
| Participant deferral / active EE | $10,428 | $3,559+193.0% | $4,917+112.1% | $3,358+210.5% |
| Admin fee / account holder | $336 | $4,135-91.9% | $12,439-97.3% | $3,203-89.5% |