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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY Service code 26 · EIN 26-4310632 P.O. BOX 1095 · SOUTH BURLINGTON, VT 054071095 | Advisory (Participants) | $23,907 |
Filed as: FUTURE PLANNING ASSOCIATES, INC. Service code 13 · EIN 03-0271340 P.O. BOX 905 · WILLISTON, VT 054950905 | Contract Administrator | $13,276 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $44,604 | $47,648-6.4% | $130,660-65.9% | $67,579-34.0% |
| Participation rate | 10.6% | 60.4%-49.8pp | 71.7%-61.1pp | 71.3%-60.6pp |
| Annual return | 23.43% | 25.73%-2.3pp | 1709.29%-1685.9pp | 378.56%-355.1pp |
| Employer contribution / active EE | $396 | $1,408-71.9% | $4,092-90.3% | $2,148-81.6% |
| Participant deferral / active EE | $537 | $2,616-79.5% | $3,603-85.1% | $3,539-84.8% |
| Admin fee / account holder | $201 | $105+91.4% | $5,463-96.3% | $142+41.3% |