Filed May 31, 2019
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 47-1566880 | Advisory (Plan) | $0 |
STANCORP FINANCIAL GROUP3 years Service code 12 · EIN 93-1253576 | Custodial (other than securities); Di... | $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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $29,709 | $61,166-51.4% | $185,837-84.0% | $79,393-62.6% |
| Participation rate | 41.5% | 66.6%-25.1pp | 81.7%-40.2pp | 70.7%-29.2pp |
| Annual return | 16.63% | 19.45%-2.8pp | 122.08%-105.4pp | 116.87%-100.2pp |
| Employer contribution / active EE | $346 | $2,321-85.1% | $5,168-93.3% | $2,428-85.8% |
| Participant deferral / active EE | $1,253 | $2,789-55.1% | $5,568-77.5% | $4,046-69.0% |
| Admin fee / account holder | $304 | $710-57.2% | $16,241-98.1% | $627-51.5% |