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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Service code 55 · EIN 26-4310632 | Other Commissions | $8,975 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,458 |
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.
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 | $43,739 | $69,383-37.0% | $101,275-56.8% | $73,497-40.5% |
| Participation rate | 49.8% | 68.4%-18.6pp | 75.8%-26.0pp | 70.7%-20.9pp |
| Annual return | 19.99% | 18.46%+1.5pp | 46.48%-26.5pp | 28.51%-8.5pp |
| Employer contribution / active EE | $525 | $2,628-80.0% | $3,660-85.6% | $2,270-76.9% |
| Participant deferral / active EE | $2,877 | $3,301-12.8% | $4,371-34.2% | $3,740-23.1% |
| Admin fee / account holder | $9 | $704-98.7% | $5,948-99.8% | $513-98.2% |