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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL Service code 27 1300 THAMES STREET WHARF · BALTIMORE, MD 21231 | Advisory (Plan) | $42,884 |
ASCENSUS LLC2 years Service code 15 · EIN 11-3665754 | Recordkeeping | $3,480 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,662 | $82,674-47.2% | $125,381-65.2% | $68,486-36.2% |
| Participation rate | 94.6% | 75.1%+19.5pp | 82.4%+12.2pp | 67.9%+26.7pp |
| Annual return | -16.84% | -5.97%-10.9pp | 572.31%-589.1pp | -7.85%-9.0pp |
| Employer contribution / active EE | $10,858 | $3,382+221.1% | $4,815+125.5% | $2,597+318.2% |
| Participant deferral / active EE | $11,410 | $6,111+86.7% | $7,448+53.2% | $4,028+183.3% |
| Admin fee / account holder | $302 | $6,277-95.2% | $10,007-97.0% | $5,404-94.4% |