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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY INV. Service code 26 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Participants) | $11,850 |
NEWPORT GROUP, INC.3 years Service code 13 · EIN 27-2037969 | Contract Administrator | $4,860 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,697 | $54,573+44.2% | $90,970-13.5% | $73,497+7.1% |
| Participation rate | 35.5% | 61.2%-25.6pp | 69.0%-33.5pp | 70.7%-35.1pp |
| Annual return | 14.38% | 16.69%-2.3pp | 134.60%-120.2pp | 28.51%-14.1pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,419 | $2,517-3.9% | $3,373-28.3% | $3,740-35.3% |
| Admin fee / account holder | $363 | $521-30.4% | $5,961-93.9% | $513-29.3% |