Filed March 5, 2021
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FINTRUST CAPITAL ADVISORS, LLC Service code 27 · EIN 26-1204897 | Advisory (Plan) | $43,612 |
STANCORP FINANCIAL GROUP6 years Service code 12 · EIN 93-1253576 | Custodial (other than securities); Re... | $28,218 |
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.)
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 | $81,746 | $89,465-8.6% | $165,071-50.5% | $77,736+5.2% |
| Participation rate | 37.0% | 78.6%-41.7pp | 78.6%-41.7pp | 70.6%-33.6pp |
| Annual return | 13.53% | 28.86%-15.3pp | 70.17%-56.6pp | 31.26%-17.7pp |
| Employer contribution / active EE | $975 | $2,565-62.0% | $4,347-77.6% | $2,728-64.3% |
| Participant deferral / active EE | $2,442 | $4,904-50.2% | $6,035-59.5% | $4,651-47.5% |
| Admin fee / account holder | $324 | $340-4.8% | $12,695-97.5% | $433-25.3% |