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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 | Claims processing; Recordkeeping and ... | $29,425 |
BAIRD FUNDS1 year Filed as: ROBERT W. BAIRD & CO. INC. Service code 27 · EIN 39-6037917 | Advisory (Plan) | $17,425 |
Filed as: CHARLES SCHWAB Service code 19 · EIN 25-1838406 | Securities Custodian | $4,459 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $66,750 | $28,109+137.5% | $71,086-6.1% | $56,287+18.6% |
| Participation rate | 27.8% | 40.4%-12.6pp | 54.7%-26.8pp | 69.9%-42.0pp |
| Annual return | -5.20% | -615.05%+609.8pp | 650.59%-655.8pp | -9.96%+4.8pp |
| Employer contribution / active EE | $286 | $558-48.8% | $1,088-73.8% | $2,111-86.5% |
| Participant deferral / active EE | $721 | $1,116-35.4% | $1,874-61.5% | $3,350-78.5% |
| Admin fee / account holder | $901 | $585+54.1% | $3,082-70.8% | $521+72.9% |