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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 | $79,181-11.6% | $102,423-31.7% | $74,429-6.0% |
| Participation rate | 71.3% | 74.8%-3.5pp | 76.5%-5.3pp | 67.2%+4.0pp |
| Annual return | 20.86% | 54.97%-34.1pp | 29.42%-8.6pp | 1368.38%-1347.5pp |
| Employer contribution / active EE | $1,612 | $2,362-31.7% | $3,023-46.7% | $2,625-38.6% |
| Participant deferral / active EE | $3,061 | $4,416-30.7% | $5,054-39.4% | $4,348-29.6% |
| Admin fee / account holder | $500 | $2,002-75.0% | $9,455-94.7% | $1,944-74.3% |