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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP2+ years Service code 12 · EIN 93-1253576 | Sub-transfer agency fees; Recordkeepi... | $39,629 |
JAMES, HARDY AND HALEY, CPAS2+ years Service code 10 · EIN 72-1124598 | Accounting | $11,200 |
KEMP AND ASSOCIATES LLC2+ years Service code 27 · EIN 72-1480866 | Advisory (Plan) | $4,640 |
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.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,429 | $65,440-39.7% | $98,506-60.0% | $85,851-54.1% |
| Participation rate | 68.4% | 65.0%+3.3pp | 73.3%-5.0pp | 69.3%-1.0pp |
| Annual return | 7.97% | 21.75%-13.8pp | 1494.92%-1486.9pp | 318.63%-310.7pp |
| Employer contribution / active EE | $898 | $2,169-58.6% | $2,961-69.7% | $2,565-65.0% |
| Participant deferral / active EE | $2,433 | $3,168-23.2% | $4,277-43.1% | $3,952-38.4% |
| Admin fee / account holder | $498 | $4,596-89.2% | $5,955-91.6% | $6,261-92.0% |