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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP2+ years Service code 12 · EIN 93-1253576 | Custodial (other than securities); Cl... | $48,691 |
KESTA ADVISORY SERVICES, LLC2+ years Service code 27 · EIN 35-2552359 | Advisory (Plan) | $40,840 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,772 | $46,464+32.9% | $150,298-58.9% | $79,634-22.4% |
| Participation rate | 54.8% | 57.0%-2.2pp | 77.8%-23.0pp | 62.5%-7.7pp |
| Annual return | 14.78% | 27.89%-13.1pp | 62.79%-48.0pp | 36.46%-21.7pp |
| Employer contribution / active EE | $2,751 | $1,512+82.0% | $4,154-33.8% | $2,529+8.8% |
| Participant deferral / active EE | $5,508 | $2,157+155.4% | $5,453+1.0% | $3,835+43.6% |
| Admin fee / account holder | $302 | $891-66.0% | $14,116-97.9% | $1,002-69.8% |