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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 49 · EIN 26-4310632 | Other Services | $43,414 |
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $480 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $149,240 | $60,795+145.5% | $69,483+114.8% | $65,186+128.9% |
| Participation rate | 48.2% | 74.9%-26.6pp | 74.6%-26.4pp | 70.2%-22.0pp |
| Annual return | 6.29% | 17.46%-11.2pp | 28.99%-22.7pp | 29.39%-23.1pp |
| Employer contribution / active EE | $2,233 | $2,452-8.9% | $2,780-19.7% | $2,177+2.6% |
| Participant deferral / active EE | $1,932 | $3,162-38.9% | $3,537-45.4% | $3,514-45.0% |
| Admin fee / account holder | $4 | $314-98.6% | $3,841-99.9% | $847-99.5% |