Filed October 13, 2020
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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP8+ years Service code 12 · EIN 93-1253576 | Custodial (securities); Claims proces... | $51,681 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $138,266 | $84,499+63.6% | $125,391+10.3% | $66,949+106.5% |
| Participation rate | 68.2% | 76.4%-8.2pp | 82.4%-14.2pp | 69.8%-1.6pp |
| Annual return | -19.35% | -8.49%-10.9pp | 572.41%-591.8pp | 1.57%-20.9pp |
| Employer contribution / active EE | $1,380 | $3,554-61.2% | $4,816-71.4% | $2,545-45.8% |
| Participant deferral / active EE | $9,125 | $6,785+34.5% | $7,448+22.5% | $4,239+115.3% |
| Admin fee / account holder | $504 | $685-26.4% | $10,009-95.0% | $594-15.0% |