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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP2+ years Service code 12 · EIN 93-1253576 | Claims processing; Custodial (securit... | $16,695 |
COMMONWEALTH FINANCIAL NETWORK2+ years Service code 27 · EIN 04-2675571 | Advisory (Plan) | $6,466 |
PEGGY S. EDGE, CPA, LLC2+ years Service code 10 · EIN 26-4527814 | Accounting | $6,000 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $17,350 | $44,425-60.9% | $67,834-74.4% | $55,167-68.6% |
| Participation rate | 75.7% | 59.7%+16.0pp | 68.8%+6.9pp | 69.0%+6.7pp |
| Annual return | 3.89% | 17.80%-13.9pp | 138.47%-134.6pp | 169.23%-165.3pp |
| Employer contribution / active EE | $4,206 | $1,351+211.2% | $2,403+75.0% | $1,963+114.3% |
| Participant deferral / active EE | $272 | $2,166-87.4% | $3,160-91.4% | $3,054-91.1% |
| Admin fee / account holder | $339 | $530-36.1% | $4,622-92.7% | $504-32.7% |