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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY Service code 26 · EIN 26-4310632 | Advisory (Participants) | $94,257 |
ASCENSUS LLC2+ years Filed as: ASCENSUS Service code 13 · EIN 11-3665754 | Contract Administrator | $4,515 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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 | $87,911 | $63,924+37.5% | $108,582-19.0% | $55,167+59.4% |
| Participation rate | 69.6% | 74.3%-4.8pp | 79.6%-10.0pp | 69.0%+0.6pp |
| Annual return | 4.03% | 15.31%-11.3pp | -51.70%+55.7pp | 169.23%-165.2pp |
| Employer contribution / active EE | $288 | $1,879-84.7% | $3,758-92.3% | $1,963-85.3% |
| Participant deferral / active EE | $2,206 | $3,067-28.1% | $4,311-48.8% | $3,054-27.8% |
| Admin fee / account holder | $520 | $618-15.8% | $7,645-93.2% | $504+3.2% |