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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY7 years Filed as: MORGAN STANLEY Service code 26 · EIN 26-4310632 P.O. BOX 1095 · SOUTH BURLINGTON, VT 054071095 | Advisory (Participants) | $16,625 |
Filed as: FUTURE PLANNING ASSOCIATES, INC. Service code 13 · EIN 03-0271340 P.O. BOX 905 · WILLISTON, VT 054950905 | Contract Administrator | $14,419 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $40,271 | $47,898-15.9% | $117,533-65.7% | $64,819-37.9% |
| Participation rate | 8.6% | 61.9%-53.2pp | 70.6%-62.0pp | 71.5%-62.8pp |
| Annual return | -16.99% | -15.54%-1.4pp | 29.77%-46.8pp | 32.84%-49.8pp |
| Employer contribution / active EE | $354 | $1,774-80.0% | $4,179-91.5% | $2,507-85.9% |
| Participant deferral / active EE | $483 | $3,151-84.7% | $4,072-88.1% | $4,311-88.8% |
| Admin fee / account holder | $175 | $132+32.5% | $5,647-96.9% | $188-7.0% |