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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 | Direct payment from the plan; Custodi... | $9,988 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,034 | $65,125-78.5% | $143,797-90.2% | $66,949-79.0% |
| Participation rate | 28.8% | 65.2%-36.4pp | 80.3%-51.5pp | 69.8%-41.0pp |
| Annual return | -6.20% | -11.13%+4.9pp | -0.04%-6.2pp | 1.57%-7.8pp |
| Employer contribution / active EE | $320 | $2,362-86.4% | $4,952-93.5% | $2,545-87.4% |
| Participant deferral / active EE | $1,281 | $2,920-56.1% | $5,638-77.3% | $4,239-69.8% |
| Admin fee / account holder | $185 | $503-63.2% | $14,679-98.7% | $594-68.8% |