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| Provider | Service type | Compensation |
|---|---|---|
FIRST NATIONAL TRUST COMPANY3+ years Service code 27 · EIN 20-0433578 | Advisory (Plan) | $24,516 |
STANCORP FINANCIAL GROUP3+ years Filed as: STANCORP FINANCIAL Service code 12 · EIN 93-1253576 | Custodial (securities); Distribution ... | $22,193 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,827 | $63,314-3.9% | $91,004-33.2% | $62,293-2.4% |
| Participation rate | 87.5% | 73.3%+14.2pp | 75.6%+11.9pp | 69.5%+18.0pp |
| Annual return | 12.88% | 21.00%-8.1pp | 4.60%+8.3pp | 28.90%-16.0pp |
| Employer contribution / active EE | $482 | $1,807-73.3% | $2,456-80.4% | $2,042-76.4% |
| Participant deferral / active EE | $2,678 | $2,944-9.0% | $3,548-24.5% | $3,169-15.5% |
| Admin fee / account holder | $421 | $468-10.0% | $5,417-92.2% | $479-12.2% |