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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $33,252 |
Service code 37 · EIN 04-2647786 | Loan Processing | $18,715 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $136,276 | $84,936+60.4% | $111,308+22.4% | $79,391+71.7% |
| Participation rate | 82.4% | 75.9%+6.5pp | 77.3%+5.0pp | 70.7%+11.6pp |
| Annual return | 11.73% | 17.45%-5.7pp | 54.67%-42.9pp | 116.88%-105.2pp |
| Employer contribution / active EE | $1,639 | $1,979-17.2% | $2,732-40.0% | $2,428-32.5% |
| Participant deferral / active EE | $8,539 | $3,888+119.6% | $4,487+90.3% | $4,046+111.1% |
| Admin fee / account holder | $394 | $537-26.7% | $7,965-95.1% | $627-37.2% |