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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP5 years Service code 12 · EIN 93-1253576 | Direct payment from the plan; Shareho... | $21,043 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH, INC. Service code 27 · EIN 42-1445429 | Advisory (Plan) | $11,694 |
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.)
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 | $12,368 | $45,872-73.0% | $77,096-84.0% | $68,486-81.9% |
| Participation rate | 68.3% | 55.9%+12.4pp | 67.9%+0.4pp | 67.9%+0.4pp |
| Annual return | -18.91% | 1.73%-20.6pp | 42.35%-61.3pp | -7.85%-11.1pp |
| Employer contribution / active EE | $960 | $1,650-41.8% | $2,814-65.9% | $2,597-63.0% |
| Participant deferral / active EE | $769 | $2,963-74.1% | $4,429-82.6% | $4,028-80.9% |
| Admin fee / account holder | $400 | $3,041-86.9% | $5,428-92.6% | $5,404-92.6% |