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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP10+ years Service code 12 · EIN 93-1253576 | Sub-transfer agency fees; Distributio... | $36,683 |
CONSOLIDATED FINANCIAL MANAGEMENT10+ years Service code 27 · EIN 31-1612116 | Advisory (Plan) | $20,623 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $55,666 | $79,181-29.7% | $102,423-45.7% | $74,429-25.2% |
| Participation rate | 95.0% | 74.8%+20.3pp | 76.5%+18.5pp | 67.2%+27.8pp |
| Annual return | 12.99% | 54.97%-42.0pp | 29.42%-16.4pp | 1368.38%-1355.4pp |
| Employer contribution / active EE | $961 | $2,362-59.3% | $3,023-68.2% | $2,625-63.4% |
| Participant deferral / active EE | $3,271 | $4,416-25.9% | $5,054-35.3% | $4,348-24.8% |
| Admin fee / account holder | $372 | $2,002-81.4% | $9,455-96.1% | $1,944-80.9% |