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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP5+ years Service code 12 · EIN 93-1253576 | Recordkeeping and information managem... | $54,457 |
IMA WEALTH INC4 years Filed as: IMA WEALTH, INC. Service code 27 · EIN 48-1233289 | Advisory (Plan) | $35,237 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,772 | $61,166-23.5% | $185,849-74.8% | $79,391-41.1% |
| Participation rate | 79.5% | 66.6%+12.9pp | 81.7%-2.2pp | 70.7%+8.8pp |
| Annual return | 11.38% | 19.45%-8.1pp | 122.10%-110.7pp | 116.88%-105.5pp |
| Employer contribution / active EE | $1,850 | $2,321-20.3% | $5,169-64.2% | $2,428-23.8% |
| Participant deferral / active EE | $2,644 | $2,789-5.2% | $5,569-52.5% | $4,046-34.6% |
| Admin fee / account holder | $544 | $710-23.4% | $16,244-96.7% | $627-13.2% |