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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY INS SERVICES INC Service code 53 · EIN 51-0116113 | Insurance Commissions | $98,652 |
Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $81,990 |
Service code 59 · EIN 94-1737782 | Shareholder Servicing | $261 |
Filed as: CHARLES SCHWAB INVESTMENT MANAGEMEN Service code 59 · EIN 94-3106735 | Shareholder Servicing | $0 |
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.
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 | $38,838 | $85,635-54.6% | $123,894-68.7% | $63,975-39.3% |
| Participation rate | 50.0% | 74.9%-24.9pp | 81.4%-31.4pp | 71.1%-21.1pp |
| Annual return | 16.62% | 15.74%+0.9pp | 47.52%-30.9pp | 48.65%-32.0pp |
| Employer contribution / active EE | $556 | $3,076-81.9% | $4,617-88.0% | $2,182-74.5% |
| Participant deferral / active EE | $1,673 | $5,667-70.5% | $5,984-72.0% | $3,356-50.2% |
| Admin fee / account holder | $68 | $75-9.5% | $8,357-99.2% | $70-3.7% |