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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 ATTN ADVISORY FEE BILLING · BALTIMORE, MD 21231 | Advisory (Participants) | $30,176 |
Service code 37 · EIN 04-2647786 | Loan Processing | $22,041 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $63,920 | $78,419-18.5% | $133,978-52.3% | $73,412-12.9% |
| Participation rate | 39.3% | 78.6%-39.3pp | 79.8%-40.5pp | 72.2%-32.9pp |
| Annual return | 10.55% | 33.35%-22.8pp | 45.10%-34.5pp | 59.30%-48.7pp |
| Employer contribution / active EE | $649 | $2,044-68.2% | $3,919-83.4% | $2,234-70.9% |
| Participant deferral / active EE | $1,573 | $3,925-59.9% | $5,047-68.8% | $3,806-58.7% |
| Admin fee / account holder | $454 | $161+181.5% | $8,930-94.9% | $158+187.6% |