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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP7 years Service code 12 · EIN 93-1253576 | Direct payment from the plan; Sub-tra... | $48,104 |
FIRST FINANCIAL BANK7 years Service code 27 · EIN 31-0308605 | Advisory (Plan) | $43,519 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 | Securities Custodian | $14,532 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $131,610 | $59,417+121.5% | $93,606+40.6% | $74,495+76.7% |
| Participation rate | 81.9% | 59.7%+22.2pp | 68.7%+13.2pp | 67.2%+14.7pp |
| Annual return | 10.33% | 81.83%-71.5pp | 133.20%-122.9pp | 1364.94%-1354.6pp |
| Employer contribution / active EE | $1,829 | $1,264+44.7% | $2,420-24.4% | $2,623-30.3% |
| Participant deferral / active EE | $8,801 | $3,050+188.5% | $4,411+99.5% | $4,346+102.5% |
| Admin fee / account holder | $561 | $3,021-81.4% | $8,285-93.2% | $1,942-71.1% |