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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY GLOBAL BANKING OPS Service code 27 · EIN 26-4310632 | Advisory (Plan) | $72,235 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $44,263 |
MAHONEY SABOL2 years Filed as: MAHONEY SABOL AND COMPANY Service code 10 · EIN 06-1289571 | Accounting | $14,675 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $285,724 | $101,591+181.3% | $147,096+94.2% | $74,429+283.9% |
| Participation rate | 96.5% | 75.5%+21.0pp | 82.2%+14.3pp | 67.2%+29.3pp |
| Annual return | 14.36% | 8746.45%-8732.1pp | 419.75%-405.4pp | 1368.38%-1354.0pp |
| Employer contribution / active EE | $10,327 | $3,813+170.9% | $4,936+109.2% | $2,625+293.4% |
| Participant deferral / active EE | $14,626 | $7,302+100.3% | $8,071+81.2% | $4,348+236.4% |
| Admin fee / account holder | $979 | $1,750-44.1% | $13,005-92.5% | $1,944-49.7% |