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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TWELVE POINTS WEALTH MGT LLC Service code 27 · EIN 46-5061538 | Advisory (Plan) | $24,050 |
STANCORP FINANCIAL GROUP6 years Service code 12 · EIN 93-1253576 | Direct payment from the plan; Recordk... | $18,591 |
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.)
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 | $70,477 | $55,470+27.1% | $155,556-54.7% | $74,478-5.4% |
| Participation rate | 52.1% | 61.9%-9.8pp | 78.2%-26.1pp | 67.2%-15.1pp |
| Annual return | 23.53% | 269.80%-246.3pp | 64.84%-41.3pp | 1370.56%-1347.0pp |
| Employer contribution / active EE | $1,378 | $2,267-39.2% | $4,675-70.5% | $2,626-47.5% |
| Participant deferral / active EE | $2,259 | $2,838-20.4% | $5,631-59.9% | $4,350-48.1% |
| Admin fee / account holder | $353 | $1,744-79.7% | $15,885-97.8% | $1,946-81.8% |