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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 | Recordkeeping and information managem... | $18,653 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH, INC. Service code 27 · EIN 42-1445429 | Advisory (Plan) | $14,640 |
Filed as: CHARLES SCHWAB Service code 19 · EIN 42-1558009 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $55,523 | $91,019-39.0% | $392,568-85.9% | $72,975-23.9% |
| Participation rate | 59.6% | 74.4%-14.8pp | 78.1%-18.4pp | 69.5%-9.9pp |
| Annual return | -54.37% | 20.00%-74.4pp | 24.42%-78.8pp | 81.01%-135.4pp |
| Employer contribution / active EE | $4,778 | $2,751+73.7% | $3,783+26.3% | $2,440+95.8% |
| Participant deferral / active EE | $15,359 | $4,570+236.1% | $5,985+156.6% | $3,608+325.7% |
| Admin fee / account holder | $854 | $4,895-82.6% | $6,260-86.4% | $5,124-83.3% |