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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP3+ years Service code 12 · EIN 93-1253576 | Claims processing; Direct payment fro... | $34,730 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,936 | $63,346-52.7% | $92,240-67.5% | $70,126-57.3% |
| Participation rate | 62.0% | 68.7%-6.7pp | 76.5%-14.5pp | 69.5%-7.6pp |
| Annual return | 13.06% | 530.19%-517.1pp | 176.29%-163.2pp | 73.15%-60.1pp |
| Employer contribution / active EE | $24 | $2,471-99.0% | $3,680-99.4% | $2,343-99.0% |
| Participant deferral / active EE | $1,860 | $2,854-34.8% | $3,897-52.3% | $3,332-44.2% |
| Admin fee / account holder | $84 | $3,841-97.8% | $5,194-98.4% | $4,645-98.2% |