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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $103,885 |
MORGAN STANLEY SMITH BARNEY6 years Filed as: MORGAN STANLEY GLOBAL BANKING OPERA Service code 28 · EIN 20-8764829 | Investment Management | $69,956 |
ORENDA RETIREMENT, LLC6 years Service code 13 · EIN 36-4877979 | Contract Administrator | $33,867 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $69,974 | $79,223-11.7% | $102,460-31.7% | $74,478-6.0% |
| Participation rate | 71.3% | 74.8%-3.5pp | 76.5%-5.3pp | 67.2%+4.0pp |
| Annual return | 20.86% | 54.98%-34.1pp | 29.47%-8.6pp | 1370.56%-1349.7pp |
| Employer contribution / active EE | $1,612 | $2,363-31.8% | $3,025-46.7% | $2,626-38.6% |
| Participant deferral / active EE | $3,061 | $4,417-30.7% | $5,056-39.5% | $4,350-29.6% |
| Admin fee / account holder | $500 | $2,003-75.0% | $9,460-94.7% | $1,946-74.3% |