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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $29,108 |
Filed as: WORLD INVESTMENT ADVISORS, LLC Service code 27 · EIN 61-1758632 | Advisory (Plan) | $17,434 |
Filed as: CREATIVE RETIREMENT PLAN CONSULTING Service code 49 | Other Services | $3,807 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $22,611 | $55,458-59.2% | $76,030-70.3% | $77,762-70.9% |
| Participation rate | 61.7% | 63.6%-1.9pp | 69.1%-7.3pp | 70.6%-8.9pp |
| Annual return | 11.26% | 17.10%-5.8pp | 361.54%-350.3pp | 31.27%-20.0pp |
| Employer contribution / active EE | $1 | $1,792-99.9% | $2,688-99.9% | $2,728-99.9% |
| Participant deferral / active EE | $3,056 | $3,454-11.5% | $4,257-28.2% | $4,651-34.3% |
| Admin fee / account holder | $118 | $411-71.3% | $6,421-98.2% | $433-72.8% |