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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY7 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $70,128 |
Service code 37 · EIN 04-2647786 | Loan Processing | $41,897 |
PKF O'CONNOR DAVIES, LLP3 years Filed as: PKF O' CONNOR DAVIES LLP Service code 10 · EIN 27-1728945 | Accounting | $27,825 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $84,179 | $84,493-0.4% | $125,381-32.9% | $66,938+25.8% |
| Participation rate | 91.1% | 76.4%+14.7pp | 82.4%+8.7pp | 69.8%+21.3pp |
| Annual return | -15.78% | -8.49%-7.3pp | 572.31%-588.1pp | 1.58%-17.4pp |
| Employer contribution / active EE | $2,343 | $3,554-34.1% | $4,815-51.3% | $2,545-8.0% |
| Participant deferral / active EE | $10,128 | $6,783+49.3% | $7,448+36.0% | $4,238+139.0% |
| Admin fee / account holder | $371 | $685-45.8% | $10,007-96.3% | $594-37.5% |