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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP4+ years Service code 12 · EIN 93-1253576 | Sub-transfer agency fees; Claims proc... | $26,973 |
Filed as: M HOLDINGS SECURITIES INC. Service code 27 · EIN 91-1802259 | Advisory (Plan) | $20,419 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $43,224 | $65,557-34.1% | $105,736-59.1% | $56,289-23.2% |
| Participation rate | 33.5% | 63.4%-29.9pp | 76.3%-42.8pp | 69.9%-36.3pp |
| Annual return | -7.04% | -1.32%-5.7pp | 6.27%-13.3pp | -9.96%+2.9pp |
| Employer contribution / active EE | $830 | $1,788-53.6% | $3,268-74.6% | $2,111-60.7% |
| Participant deferral / active EE | $1,454 | $2,418-39.9% | $4,080-64.4% | $3,350-56.6% |
| Admin fee / account holder | $482 | $561-14.2% | $6,913-93.0% | $521-7.5% |