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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $28,820 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-1455663 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $13,873 |
PENTEGRA SERVICES, INC.4 years Filed as: PENTEGRA SERVICES, INC Service code 13 · EIN 13-3745616 701 WESTCHESTER AVE · WHITE PLAINS, NY 10604 | Contract Administrator | $9,691 |
Filed as: MML INVESTORS SERVICES LLC Service code 27 PO BOX 9500 · SPRINGFIELD, MA 01102 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $136,058 | $101,672+33.8% | $147,117-7.5% | $74,478+82.7% |
| Participation rate | 78.2% | 75.5%+2.7pp | 82.2%-3.9pp | 67.2%+11.0pp |
| Annual return | 16.45% | 8757.83%-8741.4pp | 420.54%-404.1pp | 1370.56%-1354.1pp |
| Employer contribution / active EE | $3,701 | $3,813-2.9% | $4,932-25.0% | $2,626+40.9% |
| Participant deferral / active EE | $7,063 | $7,305-3.3% | $8,065-12.4% | $4,350+62.3% |
| Admin fee / account holder | $385 | $1,753-78.0% | $12,993-97.0% | $1,946-80.2% |