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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 1100 SW SIXTH AVENUE · PORTLAND, OR 97204 | Claims processing; Custodial (other t... | $27,826 |
Filed as: HUB INTERNATIONAL MIDWEST LIMITED Service code 27 · EIN 35-0672425 3510 N. CAUSEWAY BOULEVARD · METAIRIE, LA 70002 | Advisory (Plan) | $6,625 |
Filed as: CHARLES SCHWAB Service code 19 · EIN 25-1838406 3000 SCHWAB WAY · WESTLAKE, TX 76262 | Securities Custodian | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $218,955 | $105,200+108.1% | $159,474+37.3% | $85,847+155.1% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 13.17% | 45.08%-31.9pp | 263.68%-250.5pp | 318.61%-305.4pp |
| Employer contribution / active EE | $6,461 | $3,319+94.7% | $4,831+33.8% | $2,565+151.9% |
| Participant deferral / active EE | $5,615 | $5,946-5.6% | $7,353-23.6% | $3,952+42.1% |
| Admin fee / account holder | $427 | $6,934-93.8% | $10,802-96.0% | $6,261-93.2% |