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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $41,762 |
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $34,434 |
Filed as: FUTURE PLANNING ASSOCIATES, INC. Service code 13 · EIN 03-0271340 600 BLAIR PARK ROAD · WILLISTON, VT 05495 | Contract Administrator | $16,055 |
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 | $65,042 | $56,438+15.2% | $76,902-15.4% | $71,529-9.1% |
| Participation rate | 93.1% | 64.3%+28.8pp | 69.6%+23.5pp | 67.9%+25.1pp |
| Annual return | 15.84% | 19.05%-3.2pp | 37.91%-22.1pp | 28.97%-13.1pp |
| Employer contribution / active EE | $2,330 | $1,864+25.1% | $2,534-8.0% | $2,590-10.0% |
| Participant deferral / active EE | $3,987 | $3,136+27.1% | $3,833+4.0% | $4,291-7.1% |
| Admin fee / account holder | $327 | $1,430-77.1% | $5,479-94.0% | $1,588-79.4% |