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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 26 · EIN 20-8764829 | Advisory (Participants) | $49,348 |
THE BENEFIT PRACTICE6 years Service code 16 · EIN 13-4144565 | Consulting | $34,448 |
PKF O'CONNOR DAVIES, LLP2 years Filed as: PKF O'CONNER Service code 10 · EIN 27-1728945 | Accounting | $27,745 |
Filed as: FIDELITY INVESTMENTS INSTITUATIONAL Service code 37 · EIN 04-2647786 | Loan Processing | $4,504 |
Service code 60 | Sub-TA Fees | $0 |
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $252,928 | $130,294+94.1% | $170,043+48.7% | $71,511+253.7% |
| Participation rate | 100.0% | 86.2%+13.8pp | 87.0%+13.0pp | 67.9%+32.1pp |
| Annual return | 16.29% | 20.36%-4.1pp | 53.40%-37.1pp | 28.86%-12.6pp |
| Employer contribution / active EE | $19,421 | $4,385+342.9% | $6,790+186.0% | $2,589+650.1% |
| Participant deferral / active EE | $13,282 | $6,928+91.7% | $10,410+27.6% | $4,291+209.6% |
| Admin fee / account holder | $679 | $966-29.8% | $12,824-94.7% | $1,588-57.3% |