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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP10+ years Service code 12 · EIN 93-1253576 | Direct payment from the plan; Recordk... | $52,898 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $16,940 | $50,902-66.7% | $155,534-89.1% | $77,736-78.2% |
| Participation rate | 60.2% | 63.1%-2.9pp | 78.2%-18.0pp | 70.6%-10.4pp |
| Annual return | 9.77% | 34.85%-25.1pp | 64.92%-55.1pp | 31.26%-21.5pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,511 | $2,824-46.5% | $5,630-73.2% | $4,651-67.5% |
| Admin fee / account holder | $64 | $437-85.3% | $15,900-99.6% | $433-85.1% |