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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL Service code 13 · EIN 26-4310632 340 BROADWAY · SARATOGA SPRINGS, NY 12866 | Contract Administrator | $15,833 |
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 0001 · DES MOINES, IA 50392 | Contract Administrator | $10,134 |
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 | $31,962 | $58,726-45.6% | $92,240-65.3% | $62,293-48.7% |
| Participation rate | 88.8% | 68.3%+20.5pp | 76.5%+12.3pp | 69.5%+19.3pp |
| Annual return | 20.68% | 43.62%-22.9pp | 176.29%-155.6pp | 28.90%-8.2pp |
| Employer contribution / active EE | $449 | $2,392-81.2% | $3,680-87.8% | $2,042-78.0% |
| Participant deferral / active EE | $2,868 | $2,766+3.7% | $3,897-26.4% | $3,169-9.5% |
| Admin fee / account holder | $171 | $556-69.3% | $5,194-96.7% | $479-64.3% |