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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP2+ years Service code 12 · EIN 93-1253576 | Claims processing; Custodial (other t... | $43,266 |
Filed as: CHARLES SCHWAB BANK Service code 12 · EIN 42-1558009 | Direct payment from the plan; Custodi... | $5,254 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $31,857 | $63,905-50.1% | $74,184-57.1% | $57,658-44.7% |
| Participation rate | 69.3% | 79.8%-10.4pp | 76.6%-7.3pp | 70.2%-0.9pp |
| Annual return | 10.26% | 60.60%-50.3pp | 17.74%-7.5pp | 5.13%+5.1pp |
| Employer contribution / active EE | $383 | $1,840-79.2% | $2,370-83.8% | $1,974-80.6% |
| Participant deferral / active EE | $2,805 | $3,448-18.6% | $3,550-21.0% | $3,061-8.3% |
| Admin fee / account holder | $223 | $91+144.4% | $5,586-96.0% | $95+135.5% |