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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP3 years Service code 12 · EIN 93-1253576 | Recordkeeping and information managem... | $28,577 |
ASPIRE CAPITAL ADVISORS LLC3 years Service code 27 · EIN 83-1630900 | Advisory (Plan) | $15,560 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,464 | $55,441-32.4% | $76,002-50.7% | $77,671-51.8% |
| Participation rate | 69.3% | 63.6%+5.7pp | 69.1%+0.2pp | 70.6%-1.3pp |
| Annual return | 12.65% | 17.08%-4.4pp | 360.07%-347.4pp | 31.21%-18.6pp |
| Employer contribution / active EE | $10 | $1,789-99.5% | $2,688-99.6% | $2,726-99.6% |
| Participant deferral / active EE | $3,391 | $3,451-1.7% | $4,257-20.3% | $4,648-27.0% |
| Admin fee / account holder | $175 | $407-56.9% | $6,414-97.3% | $430-59.3% |