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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY INS SERVICES INC Service code 53 · EIN 51-0116113 | Insurance Commissions | $97,099 |
Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $72,529 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB & CO, INC. Service code 59 · EIN 94-1737782 | Shareholder Servicing | $223 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $38,171 | $86,791-56.0% | $115,038-66.8% | $59,188-35.5% |
| Participation rate | 48.4% | 72.8%-24.5pp | 81.4%-33.0pp | 69.4%-21.1pp |
| Annual return | 10.65% | 4.44%+6.2pp | 26.14%-15.5pp | 5.51%+5.1pp |
| Employer contribution / active EE | $515 | $2,950-82.5% | $4,608-88.8% | $2,098-75.4% |
| Participant deferral / active EE | $1,625 | $5,298-69.3% | $6,026-73.0% | $3,265-50.2% |
| Admin fee / account holder | $73 | $95-23.6% | $8,175-99.1% | $92-21.4% |