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| Provider | Service type | Compensation |
|---|---|---|
Filed as: DESCHUTES PORTFOLIO STRATEGY L Service code 10 · EIN 27-5035231 | Accounting | $52,278 |
STANCORP FINANCIAL GROUP3 years Service code 12 · EIN 93-1253576 | Claims processing; Custodial (other t... | $31,058 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $4,957 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $117,706 | $65,862+78.7% | $124,693-5.6% | $79,391+48.3% |
| Participation rate | 98.3% | 62.2%+36.1pp | 74.6%+23.7pp | 70.7%+27.6pp |
| Annual return | 10.27% | 19.02%-8.8pp | 5144.19%-5133.9pp | 116.88%-106.6pp |
| Employer contribution / active EE | $4,411 | $1,883+134.2% | $3,324+32.7% | $2,428+81.7% |
| Participant deferral / active EE | $2,938 | $2,772+6.0% | $4,615-36.3% | $4,046-27.4% |
| Admin fee / account holder | $636 | $673-5.4% | $7,494-91.5% | $627+1.5% |