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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY GLOBAL BA Service code 27 · EIN 20-8764829 | Advisory (Plan) | $70,344 |
PRINCIPAL LIFE INSURANCE COMPANY10+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $61,900 |
THE BENEFIT PRACTICE10+ years Service code 13 · EIN 13-4144565 | Contract Administrator | $22,117 |
MORNINGSTAR3 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
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 | $102,303 | $106,247-3.7% | $147,096-30.5% | $77,714+31.6% |
| Participation rate | 27.9% | 78.4%-50.5pp | 82.2%-54.3pp | 70.6%-42.7pp |
| Annual return | 14.69% | 56.87%-42.2pp | 419.75%-405.1pp | 31.26%-16.6pp |
| Employer contribution / active EE | $0 | $4,069-100.0% | $4,936-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $4,273 | $7,996-46.6% | $8,071-47.1% | $4,649-8.1% |
| Admin fee / account holder | $474 | $338+40.1% | $13,005-96.4% | $433+9.4% |