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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $111,233 |
UBS FINANCIAL SERVICES INC4+ years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $48,859 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,521 | $84,000-20.8% | $119,608-44.4% | $77,906-14.6% |
| Participation rate | 41.1% | 77.8%-36.7pp | 79.3%-38.1pp | 73.7%-32.6pp |
| Annual return | 19.69% | -11.59%+31.3pp | -14.98%+34.7pp | 12.16%+7.5pp |
| Employer contribution / active EE | $0 | $2,907-100.0% | $4,232-100.0% | $2,846-100.0% |
| Participant deferral / active EE | $1,807 | $4,705-61.6% | $5,601-67.7% | $4,805-62.4% |
| Admin fee / account holder | $102 | $116-11.5% | $10,326-99.0% | $133-22.7% |