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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP6 years Service code 12 · EIN 93-1253576 | Recordkeeping and information managem... | $46,476 |
INDEPENDENT FINANCIAL PARTNERS10+ years Service code 10 · EIN 83-0951655 | Accounting | $41,525 |
Filed as: CHARLES SCHWAB Service code 19 · EIN 42-1558009 | Securities Custodian | $5,219 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,384 | $89,123-35.6% | $102,460-44.0% | $77,762-26.2% |
| Participation rate | 50.2% | 80.9%-30.8pp | 76.5%-26.3pp | 70.6%-20.4pp |
| Annual return | 10.97% | 25.05%-14.1pp | 29.47%-18.5pp | 31.27%-20.3pp |
| Employer contribution / active EE | $1,473 | $2,700-45.4% | $3,025-51.3% | $2,728-46.0% |
| Participant deferral / active EE | $2,708 | $5,148-47.4% | $5,056-46.4% | $4,651-41.8% |
| Admin fee / account holder | $396 | $236+68.1% | $9,460-95.8% | $433-8.4% |