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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY Service code 27 · EIN 20-8764829 | Advisory (Plan) | $19,183 |
Service code 37 · EIN 04-2647786 | Loan Processing | $12,434 |
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 | $99,806 | $79,449+25.6% | $189,575-47.4% | $85,847+16.3% |
| Participation rate | 84.8% | 66.0%+18.8pp | 78.4%+6.4pp | 69.3%+15.5pp |
| Annual return | 15.34% | 18.45%-3.1pp | 64.19%-48.9pp | 318.61%-303.3pp |
| Employer contribution / active EE | $3,666 | $2,081+76.2% | $4,412-16.9% | $2,565+42.9% |
| Participant deferral / active EE | $7,905 | $4,051+95.1% | $6,174+28.1% | $3,952+100.0% |
| Admin fee / account holder | $489 | $5,377-90.9% | $9,806-95.0% | $6,261-92.2% |