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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP3+ years Service code 12 · EIN 93-1253576 | Claims processing; Custodial (securit... | $29,648 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $75,342 | $64,909+16.1% | $82,312-8.5% | $62,293+20.9% |
| Participation rate | 42.1% | 74.9%-32.8pp | 76.9%-34.8pp | 69.5%-27.5pp |
| Annual return | 20.97% | 21.18%-0.2pp | 25.88%-4.9pp | 28.90%-7.9pp |
| Employer contribution / active EE | $231 | $1,676-86.2% | $2,428-90.5% | $2,042-88.7% |
| Participant deferral / active EE | $1,488 | $3,103-52.0% | $3,706-59.8% | $3,169-53.0% |
| Admin fee / account holder | $510 | $440+16.1% | $5,608-90.9% | $479+6.5% |