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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 15 · EIN 26-4310632 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,726 | $60,165-35.6% | $74,184-47.8% | $55,167-29.8% |
| Participation rate | 61.8% | 74.2%-12.4pp | 76.6%-14.8pp | 69.0%-7.2pp |
| Annual return | 4.89% | 10.00%-5.1pp | 17.74%-12.8pp | 169.23%-164.3pp |
| Employer contribution / active EE | $1,338 | $1,600-16.3% | $2,370-43.5% | $1,963-31.8% |
| Participant deferral / active EE | $4,877 | $2,973+64.1% | $3,550+37.4% | $3,054+59.7% |
| Admin fee / account holder | $0 | $419-100.0% | $5,586-100.0% | $504-100.0% |