Filed April 9, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $125,571 |
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY GLOBAL BANKING OPERA Service code 28 · EIN 20-8764829 | Investment Management | $79,759 |
CREATIVE PLANNING LLC2 years Service code 26 · EIN 43-1270780 | Advisory (Participants) | $8,584 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $90,840 | $106,264-14.5% | $147,117-38.3% | $77,762+16.8% |
| Participation rate | 76.4% | 78.4%-2.0pp | 82.2%-5.8pp | 70.6%+5.8pp |
| Annual return | 13.37% | 56.94%-43.6pp | 420.54%-407.2pp | 31.27%-17.9pp |
| Employer contribution / active EE | $4,082 | $4,074+0.2% | $4,932-17.2% | $2,728+49.6% |
| Participant deferral / active EE | $7,462 | $8,003-6.8% | $8,065-7.5% | $4,651+60.5% |
| Admin fee / account holder | $276 | $334-17.4% | $12,993-97.9% | $433-36.2% |