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| Provider | Service type | Compensation |
|---|---|---|
FIRST NATIONAL TRUST COMPANY1+ years Service code 27 · EIN 20-0433578 | Advisory (Plan) | $20,363 |
STANCORP FINANCIAL GROUP1+ years Filed as: STANCORP FINANCIAL SERVICES Service code 12 · EIN 93-1257536 | Sub-transfer agency fees; Claims proc... | $17,031 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $75,396 | $62,928+19.8% | $172,755-56.4% | $67,579+11.6% |
| Participation rate | 12.3% | 64.5%-52.1pp | 82.6%-70.3pp | 71.3%-59.0pp |
| Annual return | 32.36% | 30.36%+2.0pp | 802.94%-770.6pp | 378.56%-346.2pp |
| Employer contribution / active EE | $0 | $1,636-100.0% | $5,144-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $789 | $2,145-63.2% | $5,198-84.8% | $3,539-77.7% |
| Admin fee / account holder | $594 | $167+256.2% | $13,955-95.7% | $142+317.2% |