Filed January 6, 2026
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY6 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $64,810 |
Filed as: THE ANGELL PENSION GROUP INC Service code 13 88 BOYD AVE · EAST PROVIDENCE, RI 02914 | Contract Administrator | $3,126 |
AMERICAN FUNDS5 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERVI Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $1,142 |
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 | $180,983 | $91,474+97.9% | $135,982+33.1% | $71,529+153.0% |
| Participation rate | 83.1% | 75.7%+7.4pp | 81.9%+1.2pp | 67.9%+15.2pp |
| Annual return | 18.53% | 29.89%-11.4pp | 68.32%-49.8pp | 28.97%-10.4pp |
| Employer contribution / active EE | $4,447 | $3,705+20.0% | $4,859-8.5% | $2,590+71.7% |
| Participant deferral / active EE | $10,618 | $7,095+49.7% | $7,760+36.8% | $4,291+147.4% |
| Admin fee / account holder | $410 | $1,267-67.6% | $10,767-96.2% | $1,588-74.2% |