Filed September 29, 2020
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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP9 years Service code 12 · EIN 93-1253576 | Claims processing; Direct payment fro... | $38,227 |
Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $15,325 |
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.)
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 | $38,373 | $45,343-15.4% | $150,298-74.5% | $67,986-43.6% |
| Participation rate | 55.0% | 51.9%+3.2pp | 77.8%-22.7pp | 57.2%-2.2pp |
| Annual return | 12.06% | 33.28%-21.2pp | 62.79%-50.7pp | 31.67%-19.6pp |
| Employer contribution / active EE | $1,044 | $1,462-28.6% | $4,154-74.9% | $2,019-48.3% |
| Participant deferral / active EE | $1,508 | $2,055-26.6% | $5,453-72.3% | $3,358-55.1% |
| Admin fee / account holder | $303 | $2,250-86.6% | $14,116-97.9% | $3,203-90.6% |