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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 | Custodial (other than securities); Di... | $33,028 |
Service code 27 · EIN 46-3874175 | Advisory (Plan) | $11,193 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
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 | $20,690 | $89,123-76.8% | $102,460-79.8% | $77,762-73.4% |
| Participation rate | 32.9% | 80.9%-48.0pp | 76.5%-43.6pp | 70.6%-37.7pp |
| Annual return | 43.76% | 25.05%+18.7pp | 29.47%+14.3pp | 31.27%+12.5pp |
| Employer contribution / active EE | $1,139 | $2,700-57.8% | $3,025-62.4% | $2,728-58.3% |
| Participant deferral / active EE | $1,976 | $5,148-61.6% | $5,056-60.9% | $4,651-57.5% |
| Admin fee / account holder | $122 | $236-48.4% | $9,460-98.7% | $433-71.9% |