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| Provider | Service type | Compensation |
|---|---|---|
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING, LLC Service code 26 · EIN 84-4519624 | Advisory (Participants) | $42,186 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $30,556 |
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 | $98,779 | $88,186+12.0% | $165,071-40.2% | $74,459+32.7% |
| Participation rate | 76.3% | 73.1%+3.1pp | 78.6%-2.4pp | 67.2%+9.0pp |
| Annual return | 19.15% | 17.13%+2.0pp | 70.17%-51.0pp | 1369.70%-1350.5pp |
| Employer contribution / active EE | $3,884 | $2,600+49.4% | $4,347-10.7% | $2,626+47.9% |
| Participant deferral / active EE | $8,626 | $4,505+91.5% | $6,035+42.9% | $4,350+98.3% |
| Admin fee / account holder | $463 | $2,234-79.3% | $12,695-96.4% | $1,945-76.2% |