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| Provider | Service type | Compensation |
|---|---|---|
FIRST NATIONAL TRUST COMPANY2 years Service code 27 · EIN 20-0433578 | Advisory (Plan) | $21,447 |
STANCORP FINANCIAL GROUP2 years Service code 12 · EIN 93-1253576 | Recordkeeping and information managem... | $18,454 |
WILLIAMS OVERMAN PIERCE, LLP6 years Service code 10 · EIN 56-1031342 | Accounting | $14,250 |
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.)
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 | $47,284 | $51,092-7.5% | $76,735-38.4% | $79,634-40.6% |
| Participation rate | 29.4% | 50.2%-20.9pp | 69.5%-40.1pp | 62.5%-33.1pp |
| Annual return | 14.42% | 18.04%-3.6pp | 29.77%-15.3pp | 36.46%-22.0pp |
| Employer contribution / active EE | $800 | $1,519-47.3% | $2,454-67.4% | $2,529-68.4% |
| Participant deferral / active EE | $1,397 | $2,529-44.8% | $4,088-65.8% | $3,835-63.6% |
| Admin fee / account holder | $337 | $1,865-81.9% | $7,189-95.3% | $1,002-66.4% |