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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP5+ years Service code 12 · EIN 93-1253576 | Custodial (other than securities); Cl... | $38,773 |
KEMP AND ASSOCIATES LLC5+ years Service code 27 · EIN 72-1480866 | Advisory (Plan) | $4,583 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,823 | $58,275-21.4% | $81,844-44.0% | $80,935-43.4% |
| Participation rate | 71.4% | 63.5%+8.0pp | 72.4%-1.0pp | 67.7%+3.8pp |
| Annual return | 8.80% | 41.82%-33.0pp | 778.87%-770.1pp | 35.66%-26.9pp |
| Employer contribution / active EE | $1,112 | $2,346-52.6% | $2,916-61.9% | $2,757-59.7% |
| Participant deferral / active EE | $3,471 | $3,285+5.6% | $4,323-19.7% | $4,299-19.3% |
| Admin fee / account holder | $445 | $4,749-90.6% | $7,355-93.9% | $6,924-93.6% |