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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL BANKING OPS Service code 27 · EIN 26-4310632 | Advisory (Plan) | $67,381 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $36,989 |
MAHONEY SABOL1 year Filed as: MAHONEY SABOL AND COMPANY Service code 10 · EIN 06-1289571 | Accounting | $15,695 |
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 | $280,213 | $91,439+206.4% | $135,974+106.1% | $71,511+291.8% |
| Participation rate | 95.3% | 75.7%+19.6pp | 81.9%+13.4pp | 67.9%+27.4pp |
| Annual return | 18.69% | 29.90%-11.2pp | 68.30%-49.6pp | 28.86%-10.2pp |
| Employer contribution / active EE | $9,907 | $3,705+167.4% | $4,859+103.9% | $2,589+282.6% |
| Participant deferral / active EE | $14,262 | $7,093+101.1% | $7,760+83.8% | $4,291+232.4% |
| Admin fee / account holder | $590 | $1,267-53.4% | $10,767-94.5% | $1,588-62.9% |