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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $139,752 |
Filed as: PRUDENTIAL INSURANCE AGENCY LLC Service code 49 · EIN 36-4576911 | Other Services | $53,466 |
PRUCO SECURITIES, LLC4 years Service code 49 · EIN 90-1018590 | Other Services | $30,475 |
PEN-CAL ADMINISTRATORS7 years Filed as: PEN FLEX INC Service code 13 · EIN 33-0461574 | Contract Administrator | $18,058 |
Filed as: VPAG LLC DBA VISIONPOINT Service code 27 8111 PRESTON ROAD · DALLAS, TX 75225 | Advisory (Plan) | $6,320 |
Filed as: EMPOWER ANNUITY INSURANCE CO OF AME Service code 64 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $2,997 |
THE FINWAY GROUP1 year Filed as: THE FINWAY GROUP LLC Service code 13 5625 MILLS CIVIC PKWY · WEST DES MOINES, IA 50266 | Contract Administrator | $2,044 |
Filed as: EMPOWER ADVISORY GROUP Service code 28 8815 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $294 |
Service code 13 9665 CHESAPEAKE DR · SAN DIEGO, CA 92123 | Contract Administrator | $240 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $62,174 | $106,110-41.4% | $147,005-57.7% | $77,671-20.0% |
| Participation rate | 54.5% | 78.4%-23.9pp | 82.2%-27.7pp | 70.6%-16.1pp |
| Annual return | 52.14% | 56.77%-4.6pp | 418.76%-366.6pp | 31.21%+20.9pp |
| Employer contribution / active EE | $1,991 | $4,065-51.0% | $4,934-59.6% | $2,726-27.0% |
| Participant deferral / active EE | $3,659 | $7,992-54.2% | $8,070-54.7% | $4,648-21.3% |
| Admin fee / account holder | $398 | $338+17.9% | $13,006-96.9% | $430-7.5% |