Filed April 9, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $86,907 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL BANKING OPERA Service code 28 · EIN 20-8764829 | Investment Management | $55,421 |
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 | $73,038 | $82,163-11.1% | $125,363-41.7% | $64,814+12.7% |
| Participation rate | 75.1% | 77.9%-2.8pp | 82.4%-7.3pp | 71.5%+3.6pp |
| Annual return | -12.32% | 3.49%-15.8pp | 572.15%-584.5pp | 32.84%-45.2pp |
| Employer contribution / active EE | $3,339 | $3,616-7.7% | $4,815-30.6% | $2,507+33.2% |
| Participant deferral / active EE | $6,640 | $7,175-7.5% | $7,447-10.8% | $4,310+54.0% |
| Admin fee / account holder | $221 | $163+35.4% | $10,005-97.8% | $188+17.6% |