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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP5 years Service code 12 · EIN 93-1253576 | Direct payment from the plan; Custodi... | $27,987 |
USI CONSULTING GROUP5 years Filed as: USI SECURITIES, INC. Service code 27 · EIN 06-1493970 | Advisory (Plan) | $20,352 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,872 | $55,446-49.7% | $155,574-82.1% | $74,429-62.6% |
| Participation rate | 92.9% | 61.9%+31.0pp | 78.2%+14.6pp | 67.2%+25.6pp |
| Annual return | 11.77% | 269.20%-257.4pp | 64.87%-53.1pp | 1368.38%-1356.6pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,676-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $5,419 | $2,836+91.1% | $5,629-3.7% | $4,348+24.6% |
| Admin fee / account holder | $363 | $1,743-79.1% | $15,914-97.7% | $1,944-81.3% |