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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $61,458 |
LPL FINANCIAL5 years Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $52,574 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $305,722 | $101,653+200.7% | $147,080+107.9% | $74,459+310.6% |
| Participation rate | 95.6% | 75.6%+20.0pp | 82.2%+13.4pp | 67.2%+28.3pp |
| Annual return | 13.42% | 8754.98%-8741.6pp | 420.17%-406.7pp | 1369.70%-1356.3pp |
| Employer contribution / active EE | $3,946 | $3,813+3.5% | $4,933-20.0% | $2,626+50.3% |
| Participant deferral / active EE | $11,978 | $7,304+64.0% | $8,066+48.5% | $4,350+175.4% |
| Admin fee / account holder | $570 | $1,752-67.4% | $12,989-95.6% | $1,945-70.7% |