Filed January 6, 2026
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY Service code 27 1300 THAMES ST WHARF 4TH FL · BALTIMORE, MD 21231 | Advisory (Plan) | $61,831 |
Filed as: THE ANGELL PENSION GROUP INC Service code 13 88 BOYD AVE · EAST PROVIDENCE, RI 02914 | Contract Administrator | $1,000 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $588 |
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 | $141,508 | $84,499+67.5% | $125,391+12.9% | $66,949+111.4% |
| Participation rate | 73.2% | 76.4%-3.2pp | 82.4%-9.1pp | 69.8%+3.4pp |
| Annual return | -16.87% | -8.49%-8.4pp | 572.41%-589.3pp | 1.57%-18.4pp |
| Employer contribution / active EE | $3,307 | $3,554-6.9% | $4,816-31.3% | $2,545+29.9% |
| Participant deferral / active EE | $8,886 | $6,785+31.0% | $7,448+19.3% | $4,239+109.6% |
| Admin fee / account holder | $364 | $685-46.9% | $10,009-96.4% | $594-38.7% |