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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $113,468 |
CREATIVE PLANNING LLC3 years Filed as: CREATIVE PLANNING, INC. Service code 27 · EIN 43-1270780 | Advisory (Plan) | $60,071 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,680 | $83,023-6.4% | $102,437-24.2% | $77,762-0.1% |
| Participation rate | 46.0% | 71.5%-25.6pp | 74.5%-28.5pp | 70.6%-24.6pp |
| Annual return | 18.00% | 19.12%-1.1pp | 24.95%-6.9pp | 31.27%-13.3pp |
| Employer contribution / active EE | $1,889 | $3,552-46.8% | $3,871-51.2% | $2,728-30.7% |
| Participant deferral / active EE | $3,982 | $4,110-3.1% | $5,060-21.3% | $4,651-14.4% |
| Admin fee / account holder | $311 | $639-51.4% | $8,388-96.3% | $433-28.2% |