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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIDELITY INVESTMENTS Service code 37 · EIN 04-2647786 INSTITUTIONAL OPERATIONS COMPANY · BOSTON, MA 02210 | Loan Processing | $13,202 |
Filed as: MORGAN STANLEY Service code 26 · EIN 26-4310632 GLOBAL BANKING OPERATIONS · NEW YORK, NY 10004 | Advisory (Participants) | $7,548 |
Filed as: MORGAN STANLEY SMITH BARNEY, LLC Service code 26 · EIN 20-8764829 1585 BROADWAY, 19TH FLOOR · NEW YORK, NY 10036 | Advisory (Participants) | $3,102 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $59,861 | $65,034-8.0% | $90,970-34.2% | $79,856-25.0% |
| Participation rate | 47.9% | 61.6%-13.7pp | 69.0%-21.1pp | 69.6%-21.8pp |
| Annual return | 28.41% | 30.45%-2.0pp | 134.60%-106.2pp | 31.71%-3.3pp |
| Employer contribution / active EE | $504 | $1,247-59.6% | $2,122-76.3% | $2,471-79.6% |
| Participant deferral / active EE | $2,679 | $2,512+6.6% | $3,373-20.6% | $3,741-28.4% |
| Admin fee / account holder | $302 | $4,536-93.3% | $5,961-94.9% | $5,306-94.3% |