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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 | Sub-transfer agency fees; Claims proc... | $22,696 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $27,984 | $62,267-55.1% | $110,243-74.6% | $55,725-49.8% |
| Participation rate | 43.9% | 78.1%-34.2pp | 79.8%-35.9pp | 70.9%-27.0pp |
| Annual return | 1.56% | -1.07%+2.6pp | 314.76%-313.2pp | 244.93%-243.4pp |
| Employer contribution / active EE | $731 | $1,941-62.3% | $3,827-80.9% | $2,078-64.8% |
| Participant deferral / active EE | $1,829 | $3,516-48.0% | $4,672-60.8% | $3,356-45.5% |
| Admin fee / account holder | $161 | $121+33.1% | $8,548-98.1% | $115+39.7% |