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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP10+ years Service code 12 · EIN 93-1253576 | Custodial (other than securities); Di... | $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 | $101,591+129.1% | $147,096+58.2% | $74,429+212.7% |
| Participation rate | 95.4% | 75.5%+19.9pp | 82.2%+13.2pp | 67.2%+28.2pp |
| Annual return | 12.10% | 8746.45%-8734.4pp | 419.75%-407.7pp | 1368.38%-1356.3pp |
| Employer contribution / active EE | $4,903 | $3,813+28.6% | $4,936-0.7% | $2,625+86.8% |
| Participant deferral / active EE | $7,940 | $7,302+8.7% | $8,071-1.6% | $4,348+82.6% |
| Admin fee / account holder | $499 | $1,750-71.5% | $13,005-96.2% | $1,944-74.3% |