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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY GLOBAL Service code 27 · EIN 26-4310632 340 BROADWAY · SARATOGA SPRINGS, NY 12866 | Advisory (Plan) | $12,621 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 0001 · DES MOINES, IA 50392 | Contract Administrator | $6,878 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $28,926 | $52,884-45.3% | $84,753-65.9% | $55,167-47.6% |
| Participation rate | 79.8% | 67.5%+12.2pp | 76.6%+3.2pp | 69.0%+10.8pp |
| Annual return | 12.34% | 18.03%-5.7pp | 22.78%-10.4pp | 169.23%-156.9pp |
| Employer contribution / active EE | $394 | $2,233-82.3% | $3,574-89.0% | $1,963-79.9% |
| Participant deferral / active EE | $2,299 | $2,644-13.1% | $3,712-38.1% | $3,054-24.7% |
| Admin fee / account holder | $141 | $581-75.8% | $5,333-97.4% | $504-72.1% |