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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 22 · EIN 26-4310632 | Insurance Broker | $0 |
Filed as: TRANSAMERICA FINANCIAL INSURANCE Service code 15 · EIN 36-6071399 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $10,564 | $36,916-71.4% | $156,551-93.3% | $57,658-81.7% |
| Participation rate | 21.4% | 63.4%-42.0pp | 84.0%-62.6pp | 70.2%-48.8pp |
| Annual return | 20.45% | 12.38%+8.1pp | 32.23%-11.8pp | 5.13%+15.3pp |
| Employer contribution / active EE | $301 | $1,571-80.8% | $5,501-94.5% | $1,974-84.8% |
| Participant deferral / active EE | $1,084 | $1,926-43.7% | $4,871-77.7% | $3,061-64.6% |
| Admin fee / account holder | $98 | $82+18.3% | $13,028-99.3% | $95+3.3% |