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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $17,408 |
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $15,667 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $73,424 | $101,653-27.8% | $147,080-50.1% | $74,459-1.4% |
| Participation rate | 59.2% | 75.6%-16.4pp | 82.2%-23.0pp | 67.2%-8.0pp |
| Annual return | 17.70% | 8754.98%-8737.3pp | 420.17%-402.5pp | 1369.70%-1352.0pp |
| Employer contribution / active EE | $2,719 | $3,813-28.7% | $4,933-44.9% | $2,626+3.6% |
| Participant deferral / active EE | $5,795 | $7,304-20.7% | $8,066-28.2% | $4,350+33.2% |
| Admin fee / account holder | $309 | $1,752-82.4% | $12,989-97.6% | $1,945-84.1% |