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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Filed as: STANCORP Service code 50 1100 SW SIXTH AVENUE · PORTLAND, OR 97204 | Direct Payment | $7,574 |
RPS PLAN ADMINISTRATORS4 years Service code 13 7100 E. BELLEVIEW AVE. STE. 300 · GREENWOOD VILLAGE, CO 80111 | Contract Administrator | $6,749 |
Service code 59 · EIN 41-1486060 | Shareholder Servicing | $6,156 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $28,457 | $49,249-42.2% | $70,476-59.6% | $79,852-64.4% |
| Participation rate | 68.8% | 69.2%-0.4pp | 75.1%-6.3pp | 69.6%-0.9pp |
| Annual return | 5.69% | 30.09%-24.4pp | 109.12%-103.4pp | 31.72%-26.0pp |
| Employer contribution / active EE | $734 | $2,100-65.1% | $2,738-73.2% | $2,471-70.3% |
| Participant deferral / active EE | $1,366 | $2,769-50.7% | $3,710-63.2% | $3,740-63.5% |
| Admin fee / account holder | $310 | $2,878-89.2% | $3,847-91.9% | $5,306-94.2% |