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| Provider | Service type | Compensation |
|---|---|---|
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 | Custodial (other than securities); Cl... | $18,577 |
Filed as: ALLIANT RETIREMENT SERVICES, LLC Service code 27 · EIN 33-0785439 | Advisory (Plan) | $11,007 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,880 | $59,105-52.8% | $159,991-82.6% | $66,930-58.3% |
| Participation rate | 50.4% | 68.1%-17.7pp | 78.0%-27.6pp | 69.8%-19.4pp |
| Annual return | -1.05% | -12.26%+11.2pp | 408.82%-409.9pp | 1.57%-2.6pp |
| Employer contribution / active EE | $1,448 | $1,983-27.0% | $4,225-65.7% | $2,545-43.1% |
| Participant deferral / active EE | $2,607 | $4,395-40.7% | $6,183-57.8% | $4,238-38.5% |
| Admin fee / account holder | $302 | $591-48.9% | $8,715-96.5% | $593-49.1% |