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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $74,925 |
ORENDA RETIREMENT, LLC4 years Service code 13 · EIN 36-4877979 | Contract Administrator | $14,516 |
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY GLOBAL BANKING OPERA Service code 28 · EIN 20-8764829 | Investment Management | $11,850 |
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 | $57,717 | $65,437-11.8% | $86,698-33.4% | $66,949-13.8% |
| Participation rate | 82.1% | 75.5%+6.7pp | 76.6%+5.6pp | 69.8%+12.3pp |
| Annual return | -12.72% | -10.91%-1.8pp | 35.96%-48.7pp | 1.57%-14.3pp |
| Employer contribution / active EE | $1,756 | $2,154-18.5% | $2,837-38.1% | $2,545-31.0% |
| Participant deferral / active EE | $3,481 | $4,102-15.1% | $4,656-25.2% | $4,239-17.9% |
| Admin fee / account holder | $436 | $642-32.1% | $7,492-94.2% | $594-26.6% |