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| Provider | Service type | Compensation |
|---|---|---|
Service code 25 · EIN 04-2647786 | Directed Trustee | $3,883 |
MORGAN STANLEY SMITH BARNEY1+ years Service code 55 HARBORSIDE FINANCIAL CTR PLAZA 2 · JERSEY CITY, NJ 07311 | Other Commissions | $2,868 |
Filed as: MERRILL LYNCH PIERCE FENNER & SMIT Service code 61 · EIN 13-5674085 | Finders' fees / placement fees | $0 |
NATIONAL FINANCIAL SERVICES1+ years Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 61 · EIN 04-3523567 | Finders' fees / placement fees | $0 |
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.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $36,604 | $54,320-32.6% | $67,652-45.9% | $52,331-30.1% |
| Participation rate | 51.2% | 73.6%-22.4pp | 75.7%-24.4pp | 68.1%-16.9pp |
| Annual return | -1.84% | 6.81%-8.6pp | 6625.40%-6627.2pp | 4.54%-6.4pp |
| Employer contribution / active EE | $304 | $1,544-80.3% | $2,266-86.6% | $1,882-83.9% |
| Participant deferral / active EE | $1,617 | $2,950-45.2% | $3,560-54.6% | $3,022-46.5% |
| Admin fee / account holder | $56 | $527-89.3% | $4,821-98.8% | $592-90.5% |