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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $25,494 |
CREATIVE PLANNING LLC1+ years Service code 26 · EIN 43-1270780 | Advisory (Participants) | $16,766 |
BELLWETHER CONSULTING LLC1+ years Filed as: BELLWETHER ADVISORS, LLC Service code 26 · EIN 83-3629267 | Advisory (Participants) | $5,956 |
CREATIVE PLANNING LLC1+ years Filed as: CREATIVE PLANNING, LLC Service code 26 · EIN 84-4519624 | Advisory (Participants) | $0 |
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 | $160,949 | $88,360+82.2% | $145,433+10.7% | $67,986+136.7% |
| Participation rate | 99.2% | 65.5%+33.7pp | 82.1%+17.0pp | 57.2%+42.0pp |
| Annual return | 22.89% | 63.15%-40.3pp | 66.58%-43.7pp | 31.67%-8.8pp |
| Employer contribution / active EE | $4,242 | $3,054+38.9% | $4,554-6.9% | $2,019+110.1% |
| Participant deferral / active EE | $10,475 | $5,932+76.6% | $7,897+32.6% | $3,358+211.9% |
| Admin fee / account holder | $363 | $3,313-89.1% | $13,129-97.2% | $3,203-88.7% |