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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 95-1253576 | Recordkeeping and information managem... | $20,382 |
NATIONWIDE3+ years Service code 15 · EIN 31-1592130 | Recordkeeping | $3,639 |
Filed as: CHARLES SCHWAB BANK Service code 19 | Securities Custodian | $2,554 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $80,585 | $80,753-0.2% | $136,298-40.9% | $62,293+29.4% |
| Participation rate | 63.0% | 73.5%-10.5pp | 81.9%-18.9pp | 69.5%-6.5pp |
| Annual return | 14.21% | 35.83%-21.6pp | 5156.27%-5142.1pp | 28.90%-14.7pp |
| Employer contribution / active EE | $0 | $2,884-100.0% | $4,696-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $3,602 | $5,164-30.3% | $6,247-42.3% | $3,169+13.6% |
| Admin fee / account holder | $351 | $525-33.1% | $9,244-96.2% | $479-26.7% |