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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FUTURE PLANNING ASSOCIATES, INC Service code 13 · EIN 03-0271340 P.O. BOX 905 · WILLISTON, VT 054950905 | Contract Administrator | $0 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 27 · EIN 20-8764829 | Advisory (Plan) | $0 |
PLAN INTEGRITY PARTNERS, LLC2 years Filed as: PLAN INTEGRITY PARTNERS, LLC. Service code 10 · EIN 88-4096467 | Accounting | $0 |
STANCORP FINANCIAL GROUP2 years Filed as: STANCORP FINANCIAL Service code 12 · EIN 93-1253576 | Claims processing; Custodial (other t... | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,730 | $90,621-27.5% | $120,225-45.3% | $103,975-36.8% |
| Participation rate | 10.8% | 53.5%-42.7pp | 69.6%-58.8pp | 72.5%-61.7pp |
| Annual return | 15.54% | 16.48%-0.9pp | 439.23%-423.7pp | 19.41%-3.9pp |
| Employer contribution / active EE | $408 | $4,227-90.3% | $3,475-88.3% | $3,722-89.0% |
| Participant deferral / active EE | $566 | $3,312-82.9% | $3,999-85.8% | $5,343-89.4% |
| Admin fee / account holder | $400 | $428-6.6% | $5,696-93.0% | $332+20.3% |