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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 | $160,933+22.9% | $152,301+29.8% | - |
| Participation rate | 90.9% | 72.3%+18.6pp | 82.4%+8.5pp | - |
| Annual return | 11.31% | 10.80%+0.5pp | 80.50%-69.2pp | - |
| Employer contribution / active EE | $5,150 | $3,533+45.8% | $4,624+11.4% | - |
| Participant deferral / active EE | $18,570 | $6,117+203.6% | $8,004+132.0% | - |
| Admin fee / account holder | $739 | $9,732-92.4% | $14,398-94.9% | - |