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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY Service code 27 · EIN 26-4310632 | Advisory (Plan) | $19,000 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $18,740 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,384 | $55,470+10.7% | $155,556-60.5% | $74,478-17.6% |
| Participation rate | 63.7% | 61.9%+1.8pp | 78.2%-14.5pp | 67.2%-3.5pp |
| Annual return | 12.39% | 269.80%-257.4pp | 64.84%-52.4pp | 1370.56%-1358.2pp |
| Employer contribution / active EE | $1,604 | $2,267-29.2% | $4,675-65.7% | $2,626-38.9% |
| Participant deferral / active EE | $3,659 | $2,838+28.9% | $5,631-35.0% | $4,350-15.9% |
| Admin fee / account holder | $325 | $1,744-81.3% | $15,885-98.0% | $1,946-83.3% |