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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP10+ years Service code 12 · EIN 93-1253576 | Custodial (other than securities); Re... | $62,377 |
FIRST NATIONAL TRUST COMPANY10+ years Service code 27 · EIN 20-0433578 | Advisory (Plan) | $57,457 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $232,749 | $101,672+128.9% | $147,117+58.2% | $74,478+212.5% |
| Participation rate | 95.4% | 75.5%+19.9pp | 82.2%+13.2pp | 67.2%+28.2pp |
| Annual return | 12.10% | 8757.83%-8745.7pp | 420.54%-408.4pp | 1370.56%-1358.5pp |
| Employer contribution / active EE | $4,903 | $3,813+28.6% | $4,932-0.6% | $2,626+86.7% |
| Participant deferral / active EE | $7,940 | $7,305+8.7% | $8,065-1.5% | $4,350+82.5% |
| Admin fee / account holder | $499 | $1,753-71.5% | $12,993-96.2% | $1,946-74.3% |