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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 | Direct payment from the plan; Custodi... | $23,412 |
Service code 27 · EIN 45-4091726 | Advisory (Plan) | $13,463 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,467 | $73,102-65.2% | $123,553-79.4% | $56,289-54.8% |
| Participation rate | 67.3% | 74.3%-7.0pp | 82.3%-15.0pp | 69.9%-2.5pp |
| Annual return | -8.28% | 3.01%-11.3pp | 119.21%-127.5pp | -9.96%+1.7pp |
| Employer contribution / active EE | $1,758 | $2,977-41.0% | $4,628-62.0% | $2,111-16.7% |
| Participant deferral / active EE | $3,103 | $5,423-42.8% | $6,426-51.7% | $3,350-7.4% |
| Admin fee / account holder | $311 | $554-43.8% | $9,284-96.6% | $521-40.3% |