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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 26-4310632 | Advisory (Participants) | $61,166 |
NATIONWIDE9 years Service code 15 · EIN 31-1592130 10 W NATIONWIDE BLVD · COLUMBUS, OH 43215 | Recordkeeping | $37,514 |
Service code 37 · EIN 14-1836262 | Loan Processing | $925 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $109,890 | $106,264+3.4% | $147,117-25.3% | $77,762+41.3% |
| Participation rate | 27.0% | 78.4%-51.5pp | 82.2%-55.2pp | 70.6%-43.6pp |
| Annual return | 12.51% | 56.94%-44.4pp | 420.54%-408.0pp | 31.27%-18.8pp |
| Employer contribution / active EE | $238 | $4,074-94.2% | $4,932-95.2% | $2,728-91.3% |
| Participant deferral / active EE | $1,695 | $8,003-78.8% | $8,065-79.0% | $4,651-63.6% |
| Admin fee / account holder | $915 | $334+173.8% | $12,993-93.0% | $433+111.5% |