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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Service code 55 HARBORSIDE FINANCIAL CTR · JERSEY CITY, NJ 07311 | Other Commissions | $7,286 |
Service code 37 · EIN 04-2647786 | Loan Processing | $3,081 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,306 | $53,412-7.7% | $68,509-28.0% | $52,331-5.8% |
| Participation rate | 26.7% | 71.7%-45.0pp | 74.7%-48.1pp | 68.1%-41.4pp |
| Annual return | 2.15% | 3.42%-1.3pp | 8.27%-6.1pp | 4.54%-2.4pp |
| Employer contribution / active EE | $140 | $1,607-91.3% | $2,278-93.8% | $1,882-92.5% |
| Participant deferral / active EE | $1,403 | $2,688-47.8% | $3,382-58.5% | $3,022-53.6% |
| Admin fee / account holder | $48 | $461-89.6% | $5,275-99.1% | $592-91.9% |