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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP6 years Service code 12 · EIN 93-1253576 | Direct payment from the plan; Recordk... | $15,716 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,616 | $54,193-87.8% | $93,669-92.9% | $77,714-91.5% |
| Participation rate | 50.8% | 63.9%-13.1pp | 68.7%-17.9pp | 70.6%-19.8pp |
| Annual return | 16.97% | 30.54%-13.6pp | 133.59%-116.6pp | 31.26%-14.3pp |
| Employer contribution / active EE | $0 | $1,168-100.0% | $2,424-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $868 | $3,144-72.4% | $4,416-80.3% | $4,649-81.3% |
| Admin fee / account holder | $48 | $576-91.6% | $8,291-99.4% | $433-88.9% |