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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Service code 55 HARBORSIDE FINANCIAL CTR · JERSEY CITY, NJ 07311 | Other Commissions | $39,877 |
Service code 37 · EIN 04-2647786 | Loan Processing | $2,250 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $53,026 | $55,182-3.9% | $73,309-27.7% | $55,191-3.9% |
| Participation rate | 78.5% | 73.9%+4.6pp | 74.9%+3.6pp | 69.2%+9.3pp |
| Annual return | -2.27% | 8.55%-10.8pp | 5.67%-7.9pp | 10.78%-13.0pp |
| Employer contribution / active EE | $311 | $1,935-83.9% | $3,237-90.4% | $1,899-83.6% |
| Participant deferral / active EE | $4,190 | $4,641-9.7% | $4,991-16.1% | $3,046+37.5% |
| Admin fee / account holder | $7 | $68-89.7% | $5,635-99.9% | $91-92.2% |