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| Provider | Service type | Compensation |
|---|---|---|
Service code 33 · EIN 04-1590850 | Investment management fees paid indir... | $114,917 |
MORGAN STANLEY SMITH BARNEY3+ years Filed as: MORGAN STANLEY INS SERVICES INC Service code 53 · EIN 51-0116113 | Insurance Commissions | $86,214 |
Service code 10 · EIN 16-1479373 | Accounting | $7,462 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO, INC. Service code 59 · EIN 94-1737782 | Shareholder Servicing | $86 |
AMERICAN FUNDS1 year Service code 52 · EIN 95-1411037 | Indirect Investment Fees | $0 |
BLACKROCK1 year Service code 52 · EIN 51-0318674 | Indirect Investment Fees | $0 |
COLUMBIA1 year Service code 52 · EIN 56-0906609 | Indirect Investment Fees | $0 |
FRANKLIN TEMPLETON1 year Filed as: FRANKLINTEMPLETON Service code 52 · EIN 59-6865210 | Indirect Investment Fees | $0 |
HARRIS1 year Service code 52 · EIN 04-3276558 | Indirect Investment Fees | $0 |
INVESCO1 year Service code 52 · EIN 36-4277151 | Indirect Investment Fees | $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 | $48,856 | $96,458-49.4% | $136,298-64.2% | $77,958-37.3% |
| Participation rate | 45.0% | 75.4%-30.4pp | 81.9%-36.9pp | 71.6%-26.6pp |
| Annual return | 19.32% | 23.78%-4.5pp | 5156.27%-5136.9pp | 20.87%-1.5pp |
| Employer contribution / active EE | $580 | $3,144-81.5% | $4,696-87.6% | $2,310-74.9% |
| Participant deferral / active EE | $1,733 | $5,902-70.6% | $6,247-72.3% | $3,537-51.0% |
| Admin fee / account holder | $107 | $80+32.9% | $9,244-98.8% | $97+9.8% |