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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $48,452 |
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $36,666 |
Filed as: FUTURE PLANNING ASSOCIATES, INC. Service code 13 · EIN 03-0271340 600 BLAIR PARK ROAD · WILLISTON, VT 05495 | Contract Administrator | $14,320 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,669 | $62,146+21.8% | $81,438-7.1% | $74,546+1.5% |
| Participation rate | 95.5% | 64.1%+31.4pp | 69.5%+25.9pp | 67.2%+28.2pp |
| Annual return | 12.26% | 16.49%-4.2pp | 24.74%-12.5pp | 1366.03%-1353.8pp |
| Employer contribution / active EE | $2,210 | $1,883+17.3% | $2,460-10.2% | $2,624-15.8% |
| Participant deferral / active EE | $4,723 | $3,229+46.3% | $3,883+21.6% | $4,347+8.6% |
| Admin fee / account holder | $363 | $1,922-81.1% | $5,764-93.7% | $1,944-81.3% |