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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TWELVE POINTS WEALTH MGT LLC Service code 27 · EIN 46-5061538 | Advisory (Plan) | $28,204 |
STANCORP FINANCIAL GROUP7 years Service code 12 · EIN 93-1253576 | Custodial (other than securities); Cl... | $23,137 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $68,839 | $43,496+58.3% | $161,489-57.4% | $64,340+7.0% |
| Participation rate | 50.0% | 53.5%-3.5pp | 78.7%-28.7pp | 55.2%-5.2pp |
| Annual return | 10.80% | 20.76%-10.0pp | 89.72%-78.9pp | 24.14%-13.3pp |
| Employer contribution / active EE | $1,500 | $1,431+4.8% | $4,268-64.9% | $1,862-19.4% |
| Participant deferral / active EE | $2,407 | $1,996+20.6% | $5,630-57.2% | $2,980-19.2% |
| Admin fee / account holder | $404 | $2,330-82.7% | $16,006-97.5% | $3,703-89.1% |