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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY INS SVCS INC Service code 26 | Advisory (Participants) | $58,339 |
Service code 37 | Loan Processing | $31,498 |
JOHNSON BANK2 years Filed as: JOHNSON O'CONNOR FERON CARUCCI LLP Service code 17 101 EDGEWATER DRIVE SUITE 210 · WAKEFIELD, MA 01880 | Pension Consulting | $6,274 |
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 | $197,720 | $242,977-18.6% | $182,262+8.5% | - |
| Participation rate | 90.9% | 81.7%+9.2pp | 84.2%+6.7pp | - |
| Annual return | 11.31% | 3.03%+8.3pp | 140.60%-129.3pp | - |
| Employer contribution / active EE | $5,150 | $5,222-1.4% | $5,046+2.1% | - |
| Participant deferral / active EE | $18,570 | $7,528+146.7% | $8,276+124.4% | - |
| Admin fee / account holder | $739 | $19,036-96.1% | $16,712-95.6% | - |