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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 | Direct payment from the plan; Custodi... | $8,159 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $30,994 | $73,638-57.9% | $95,964-67.7% | $73,497-57.8% |
| Participation rate | 49.7% | 76.2%-26.5pp | 77.1%-27.4pp | 70.7%-21.0pp |
| Annual return | 17.89% | 16.78%+1.1pp | 91.64%-73.8pp | 28.51%-10.6pp |
| Employer contribution / active EE | $1,227 | $1,863-34.1% | $2,541-51.7% | $2,270-46.0% |
| Participant deferral / active EE | $2,339 | $3,617-35.3% | $4,167-43.9% | $3,740-37.5% |
| Admin fee / account holder | $76 | $482-84.2% | $6,797-98.9% | $513-85.1% |