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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1+ years Service code 12 · EIN 93-1253576 | Plan Administrator; Custodial (securi... | $38,360 |
KMS FINANCIAL1+ years Filed as: KMS FINANCIAL, INC. Service code 27 · EIN 91-0850651 | Advisory (Plan) | $22,021 |
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.)
Annual investment return 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.
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 | $41,611 | $70,002-40.6% | $115,038-63.8% | $52,331-20.5% |
| Participation rate | 62.5% | 72.1%-9.6pp | 81.4%-18.9pp | 68.1%-5.6pp |
| Annual return | -1.54% | 4.04%-5.6pp | 26.14%-27.7pp | 4.54%-6.1pp |
| Employer contribution / active EE | $1,305 | $2,715-51.9% | $4,608-71.7% | $1,882-30.7% |
| Participant deferral / active EE | $7,218 | $4,920+46.7% | $6,026+19.8% | $3,022+138.8% |
| Admin fee / account holder | $351 | $566-38.0% | $8,175-95.7% | $592-40.7% |