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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP4 years Service code 12 · EIN 93-1253576 | Claims processing; Custodial (other t... | $58,197 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $85,349 | $88,042-3.1% | $138,135-38.2% | $79,856+6.9% |
| Participation rate | 46.8% | 71.4%-24.7pp | 78.7%-31.9pp | 69.6%-22.9pp |
| Annual return | 14.31% | 20.58%-6.3pp | 20.51%-6.2pp | 31.71%-17.4pp |
| Employer contribution / active EE | $2,704 | $3,103-12.9% | $5,587-51.6% | $2,471+9.4% |
| Participant deferral / active EE | $4,402 | $4,704-6.4% | $6,431-31.5% | $3,741+17.7% |
| Admin fee / account holder | $44 | $7,791-99.4% | $11,856-99.6% | $5,306-99.2% |