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| Provider | Service type | Compensation |
|---|---|---|
FIRST NATIONAL TRUST COMPANY2 years Service code 27 · EIN 20-0433578 | Advisory (Plan) | $26,609 |
STANCORP FINANCIAL GROUP2 years Service code 12 · EIN 93-1253576 | Custodial (securities); Claims proces... | $20,692 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $36,206 | $73,102-50.5% | $123,552-70.7% | $56,287-35.7% |
| Participation rate | 66.0% | 74.3%-8.3pp | 82.3%-16.3pp | 69.9%-3.9pp |
| Annual return | -6.26% | 3.01%-9.3pp | 119.20%-125.5pp | -9.96%+3.7pp |
| Employer contribution / active EE | $2,145 | $2,977-28.0% | $4,628-53.7% | $2,111+1.6% |
| Participant deferral / active EE | $2,108 | $5,423-61.1% | $6,426-67.2% | $3,350-37.1% |
| Admin fee / account holder | $443 | $554-20.0% | $9,285-95.2% | $521-15.0% |