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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP3 years Service code 12 · EIN 93-1253576 | Direct payment from the plan; Claims ... | $24,560 |
MCDONALD PARTNERS LLC3 years Filed as: MCDONALD PARTNERS Service code 27 · EIN 20-2714559 | Advisory (Plan) | $12,753 |
Filed as: BENEFITS CONSULTING GROUP, LLC Service code 27 · EIN 83-3415795 | Advisory (Plan) | $12,594 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,320 | $65,378-41.4% | $87,103-56.0% | $65,186-41.2% |
| Participation rate | 43.3% | 75.3%-32.0pp | 76.9%-33.6pp | 70.2%-26.9pp |
| Annual return | 19.96% | 31.28%-11.3pp | 28.19%-8.2pp | 29.39%-9.4pp |
| Employer contribution / active EE | $671 | $1,823-63.2% | $2,521-73.4% | $2,177-69.2% |
| Participant deferral / active EE | $1,654 | $3,389-51.2% | $4,049-59.1% | $3,514-52.9% |
| Admin fee / account holder | $327 | $520-37.2% | $7,491-95.6% | $847-61.4% |