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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 | Custodial (other than securities); Cl... | $13,732 |
Service code 27 · EIN 83-1630900 | Advisory (Plan) | $6,703 |
ADP BROKER-DEALER7 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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).
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 | $26,131 | $44,764-41.6% | $68,808-62.0% | $64,819-59.7% |
| Participation rate | 63.9% | 64.8%-0.9pp | 69.0%-5.1pp | 71.5%-7.6pp |
| Annual return | -17.07% | -10.91%-6.2pp | -6.37%-10.7pp | 32.84%-49.9pp |
| Employer contribution / active EE | $0 | $1,775-100.0% | $2,656-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $3,034 | $3,238-6.3% | $3,942-23.0% | $4,311-29.6% |
| Admin fee / account holder | $95 | $151-36.9% | $4,936-98.1% | $188-49.2% |