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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) | $30,000 |
EDELSTEIN & COMPANY, LLP1 year Filed as: EDELSTEIN & COMPANY LLP Service code 10 · EIN 04-2442519 | Accounting | $18,000 |
Filed as: MATTHEW J. BERNIER CPA, LLC Service code 10 · EIN 82-4748087 | Accounting | $7,436 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$47,107 |
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 | $77,170 | $82,163-6.1% | $125,381-38.5% | $64,819+19.1% |
| Participation rate | 95.0% | 77.9%+17.1pp | 82.4%+12.6pp | 71.5%+23.5pp |
| Annual return | -17.46% | 3.49%-20.9pp | 572.31%-589.8pp | 32.84%-50.3pp |
| Employer contribution / active EE | $1,655 | $3,616-54.2% | $4,815-65.6% | $2,507-34.0% |
| Participant deferral / active EE | $10,839 | $7,175+51.1% | $7,448+45.5% | $4,311+151.4% |
| Admin fee / account holder | $20 | $163-87.7% | $10,007-99.8% | $188-89.3% |