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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY GLOBAL BA Service code 27 · EIN 26-4310632 | Advisory (Plan) | $29,477 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $21,011 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $119,948 | $78,015+53.7% | $178,505-32.8% | $80,959+48.2% |
| Participation rate | 50.6% | 65.7%-15.1pp | 77.1%-26.5pp | 67.7%-17.1pp |
| Annual return | 13.35% | 18.10%-4.7pp | 27.16%-13.8pp | 35.67%-22.3pp |
| Employer contribution / active EE | $2,166 | $2,281-5.1% | $3,955-45.2% | $2,757-21.4% |
| Participant deferral / active EE | $6,450 | $4,406+46.4% | $6,280+2.7% | $4,300+50.0% |
| Admin fee / account holder | $481 | $7,160-93.3% | $10,428-95.4% | $6,925-93.1% |