PlanOptica
Retirement plan

E*TRADE 401(K) PLAN

MORGAN STANLEY DOMESTIC HOLDINGS, INC.EIN 20-8764829Plan #001PY 2021
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750 SEVENTH AVENUE - NEW YORK, NY 10019212-761-4550
Other plans on this EIN
1 filing
#003Retirement-$19.96B assets
Prospect flagsRecently cancelled planLow returnsFailed to transmit contributionsCorrective distributionsWind-down / frozen

Filing contacts

From the Form 5500, federal record
Plan sponsor signer
ADAM KUDELKA
Signed 10/14/2022
(212) 761-4550
Plan administrator signer
JENNIFER CACCIATORE
Signed 10/14/2022
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Summary metrics

Total assets (EOY)
$0
+2.4% from 2016
Total participants
0
+3.8% from 2016
Average account balance
$0
No prior year
Annual return
-96.15%
-4.43 pp from 2016

Benchmarks

See 33,461 peers
Peer group
Industry52 - Finance and Insurance
Plan typeDefined contribution
Participants<25
Cohort33,461 peers
Snapshot2021
Participant deferral / active EE
$0
median $7,771
Employer contribution / active EE
$0
median $3,485
Participation rate
0.0%
median 100.0%
Avg account balance
$0
median $106,423
Admin fee / account holder
$0
median $554
Annual return
-96.15%
median 14.49%
Overall peer rank
1st percentileavg across 6 metrics

Analytics

2015 - 2024
Total assets (EOY)
Plan-year ending balance
$2.04B
Average account balance
Total assets / participants with a balance (line 6g)
$86K
Participants with account balance
Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.
18,117
Eligible Participants and Participation
Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.
0.0%
Contributions (total)
Employer and participant dollars contributed each year
$142.00M
Contributions per participant
Average employer and participant contribution per enrolled participant
$25K
Not enough data
2 years with per-participant contribution data
Asset flow
BOY + contributions + return - distributions = EOY
Year
Annual return
Diverging bars; negative years highlighted
-5.27%
Admin fee / account holder
Total admin expenses / participants with a balance (line 6g)
$0
Asset composition
Cash / stocks / bonds / mutual funds / real estate / loans over time
  • Mutual / pooled
  • Stocks
  • Bonds
  • Cash
  • Real estate
  • Loans

Service providers

Top 4 by compensation
ProviderService typeCompensation
PRINCIPAL LIFE INSURANCE COMPANY1 year
Service code 13 · EIN 42-0127290
Contract Administrator
$533,919
MERCER7+ years
Service code 49 · EIN 13-2834414
Other Services
$60,000
MOSS ADAMS LLP1 year
Service code 10 · EIN 91-0189318
Accounting
$31,500
PERSIUM ADVISORS1 year
Service code 27 · EIN 11-3695054
Advisory (Plan)
$20,000

Plan features & details

Pension benefit codes2E2G2J2K2S2T3D3H
Plan features
  • 2E
    Profit-sharing
    Profit-sharing plan.
  • 2G
    Total participant-directed account plan
    Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
  • 2J
    Code section 401(k) feature
    Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
  • 2K
    Code section 401(m) arrangement
    Employee contributions are allocated to separate accounts under the plan or employer contributions are based in whole or in part on employee deferrals or contributions to the plan. Not applicable to 401(k) plans with only QNECs and/or QMACs or to 403(b)(1) 403(b)(7) or 408 arrangements.
  • 2S
    Automatic enrollment
    Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
  • 2T
    Default investment account
    Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
  • 3D
    Pre-approved pension plan
    A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.
  • 3H
    Controlled group member
    Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b) (c) or (m)).

Opportunity flags

5 tripped
  • OpportunityLow returns

    Annual investment return is in the bottom quintile of the peer cohort.

  • ComplianceFailed to transmit contributions

    Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).

  • ComplianceCorrective distributions

    Plan reported corrective distributions (failed ADP/ACP testing).

  • InformationalWind-down / frozen

    Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.

  • InformationalRecently cancelled plan

    Plan reported a final filing / termination within the last year.

Expense breakdown

Schedule H Part II
Admin total
$516K
  • Contract admin$512K99.3%
  • Other / not subdivided$3K0.7%
% of EOY assets
-
all-in expense ratio
Categories reported
1 / 9
subdivided buckets used

Audit opinion

Schedule H Part III
Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm
MOSS ADAMS LLP
Auditor EIN
910189318
Audit fees
(not subdivided)
Opinion code
Unqualified