Filed July 30, 2019
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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP6 years Service code 12 · EIN 93-1253576 | Claims processing; Custodial (other t... | $50,506 |
WOODBURY FINANCIAL SERVICES4 years Filed as: WOODBURY FINANCIAL SERVICES, INC Service code 27 · EIN 41-0944586 | Advisory (Plan) | $16,613 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,523 | $46,332-55.7% | $143,799-85.7% | $64,819-68.3% |
| Participation rate | 31.3% | 64.2%-33.0pp | 80.3%-49.1pp | 71.5%-40.2pp |
| Annual return | -14.57% | -10.05%-4.5pp | -0.04%-14.5pp | 32.84%-47.4pp |
| Employer contribution / active EE | $536 | $1,911-71.9% | $4,952-89.2% | $2,507-78.6% |
| Participant deferral / active EE | $1,746 | $2,647-34.0% | $5,638-69.0% | $4,311-59.5% |
| Admin fee / account holder | $326 | $154+112.1% | $14,677-97.8% | $188+73.7% |