Filed April 11, 2022
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY8 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $234,808 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | -$19,475 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $54,186 | $122,128-55.6% | $147,117-63.2% | $200,096-72.9% |
| Participation rate | 33.7% | 78.2%-44.5pp | 82.2%-48.5pp | 72.0%-38.4pp |
| Annual return | 18.25% | 30.58%-12.3pp | 420.54%-402.3pp | 34.26%-16.0pp |
| Employer contribution / active EE | $219 | $4,093-94.7% | $4,932-95.6% | $3,038-92.8% |
| Participant deferral / active EE | $5,130 | $8,484-39.5% | $8,065-36.4% | $5,090+0.8% |
| Admin fee / account holder | $85 | $180-52.6% | $12,993-99.3% | $269-68.4% |