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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY WEALTH MANAGEMENT Service code 49 · EIN 26-4310632 14805 NORTH OUTER FORTY RD, STE 200 · CHESTERFIELD, MO 63017 | Other Services | $35,135 |
MASTER BENEFIT GROUP, INC.5 years Service code 49 · EIN 43-1585882 11166 TESSON FERRY ROAD, SUITE 205 · ST. LOUIS, MO 631296966 | Other Services | $11,209 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SERV Service code 60 · EIN 82-4555287 P.O. BOX 659530 · SAN ANTONIO, TX 785659530 | Sub-TA Fees | $9,052 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
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 | $13,623 | $58,347-76.7% | $85,709-84.1% | $86,821-84.3% |
| Participation rate | 37.4% | 64.9%-27.5pp | 69.9%-32.5pp | 72.3%-34.9pp |
| Annual return | 16.03% | 18.43%-2.4pp | 21.49%-5.5pp | 97.94%-81.9pp |
| Employer contribution / active EE | $391 | $1,751-77.7% | $2,619-85.1% | $2,406-83.8% |
| Participant deferral / active EE | $1,057 | $3,065-65.5% | $3,924-73.1% | $4,132-74.4% |
| Admin fee / account holder | $17 | $147-88.8% | $6,876-99.8% | $170-90.3% |