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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP3+ years Service code 12 · EIN 93-1253576 | Custodial (securities); Sub-transfer ... | $35,833 |
KESTRA INVESTMENT SERVICES LLC3+ years Filed as: KESTRA ADVISORY SERVICES,LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $21,390 |
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.
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 | $42,192 | $45,343-6.9% | $150,298-71.9% | $67,986-37.9% |
| Participation rate | 52.8% | 51.9%+0.9pp | 77.8%-25.0pp | 57.2%-4.4pp |
| Annual return | 11.89% | 33.28%-21.4pp | 62.79%-50.9pp | 31.67%-19.8pp |
| Employer contribution / active EE | $1,243 | $1,462-15.0% | $4,154-70.1% | $2,019-38.4% |
| Participant deferral / active EE | $2,684 | $2,055+30.6% | $5,453-50.8% | $3,358-20.1% |
| Admin fee / account holder | $369 | $2,250-83.6% | $14,116-97.4% | $3,203-88.5% |