Filed April 11, 2022
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY7 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $188,192 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$18,075 |
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 | $49,958 | $107,415-53.5% | $135,974-63.3% | $80,157-37.7% |
| Participation rate | 50.1% | 78.0%-27.9pp | 81.9%-31.8pp | 72.9%-22.8pp |
| Annual return | 23.82% | 91.99%-68.2pp | 68.30%-44.5pp | 40.39%-16.6pp |
| Employer contribution / active EE | $330 | $3,878-91.5% | $4,859-93.2% | $2,977-88.9% |
| Participant deferral / active EE | $8,012 | $8,189-2.2% | $7,760+3.2% | $5,015+59.8% |
| Admin fee / account holder | $72 | $127-43.4% | $10,767-99.3% | $145-50.4% |