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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $120,229 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $31,987 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $168,259 | $89,093+88.9% | $102,434+64.3% | $77,736+116.4% |
| Participation rate | 60.9% | 80.9%-20.0pp | 76.5%-15.6pp | 70.6%-9.7pp |
| Annual return | 14.85% | 25.03%-10.2pp | 29.46%-14.6pp | 31.26%-16.4pp |
| Employer contribution / active EE | $2,913 | $2,699+7.9% | $3,023-3.7% | $2,728+6.8% |
| Participant deferral / active EE | $5,418 | $5,147+5.3% | $5,055+7.2% | $4,651+16.5% |
| Admin fee / account holder | $398 | $236+68.9% | $9,462-95.8% | $433-8.0% |