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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP6+ years Service code 12 · EIN 93-1253576 | Direct payment from the plan; Custodi... | $20,984 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,746 | $80,748-64.4% | $102,383-71.9% | $74,429-61.4% |
| Participation rate | 70.1% | 65.7%+4.5pp | 74.5%-4.4pp | 67.2%+2.9pp |
| Annual return | 14.82% | 27.57%-12.7pp | 24.94%-10.1pp | 1368.38%-1353.6pp |
| Employer contribution / active EE | $1,782 | $3,159-43.6% | $3,870-54.0% | $2,625-32.1% |
| Participant deferral / active EE | $4,777 | $3,861+23.7% | $5,060-5.6% | $4,348+9.9% |
| Admin fee / account holder | $72 | $2,371-97.0% | $8,391-99.1% | $1,944-96.3% |