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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $88,184 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $68,333 |
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 | $116,195 | $106,264+9.3% | $147,117-21.0% | $77,762+49.4% |
| Participation rate | 95.6% | 78.4%+17.2pp | 82.2%+13.5pp | 70.6%+25.1pp |
| Annual return | 25.56% | 56.94%-31.4pp | 420.54%-395.0pp | 31.27%-5.7pp |
| Employer contribution / active EE | $3,887 | $4,074-4.6% | $4,932-21.2% | $2,728+42.5% |
| Participant deferral / active EE | $9,886 | $8,003+23.5% | $8,065+22.6% | $4,651+112.6% |
| Admin fee / account holder | $308 | $334-7.9% | $12,993-97.6% | $433-28.8% |