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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP2 years Service code 12 · EIN 93-1253576 | Recordkeeping and information managem... | $22,581 |
LPL FINANCIAL2 years Filed as: LPL FINANCIAL CORPORATION RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $20,885 |
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 | $21,581 | $80,138-73.1% | $130,231-83.4% | $71,511-69.8% |
| Participation rate | 95.6% | 71.0%+24.6pp | 76.3%+19.3pp | 67.9%+27.6pp |
| Annual return | 19.65% | 16.81%+2.8pp | 38.86%-19.2pp | 28.86%-9.2pp |
| Employer contribution / active EE | $2,090 | $2,834-26.2% | $4,126-49.3% | $2,589-19.3% |
| Participant deferral / active EE | $3,916 | $4,641-15.6% | $6,799-42.4% | $4,291-8.7% |
| Admin fee / account holder | $148 | $1,035-85.7% | $6,020-97.5% | $1,588-90.7% |