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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $63,395 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL BANKING OPERA Service code 28 · EIN 20-8764829 | Investment Management | $27,640 |
ORENDA RETIREMENT, LLC2 years Service code 13 · EIN 36-4877979 | Contract Administrator | $13,188 |
TEPLITZKY & COMPANY PC2 years Filed as: TEPLITZKY & COMPANY, P.C. Service code 10 · EIN 06-0962537 | Accounting | $10,000 |
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 | $54,952 | $73,638-25.4% | $95,964-42.7% | $73,497-25.2% |
| Participation rate | 92.8% | 76.2%+16.7pp | 77.1%+15.7pp | 70.7%+22.1pp |
| Annual return | 16.97% | 16.78%+0.2pp | 91.64%-74.7pp | 28.51%-11.5pp |
| Employer contribution / active EE | $1,963 | $1,863+5.4% | $2,541-22.8% | $2,270-13.5% |
| Participant deferral / active EE | $3,635 | $3,617+0.5% | $4,167-12.8% | $3,740-2.8% |
| Admin fee / account holder | $332 | $482-31.1% | $6,797-95.1% | $513-35.3% |