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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY Service code 26 · EIN 20-8764829 | Advisory (Participants) | $56,034 |
PKF O'CONNOR DAVIES, LLP3 years Filed as: PKF O'CONNER Service code 10 · EIN 27-1728945 | Accounting | $23,500 |
Filed as: FIDELITY INVESTMENTS INSTITUATIONAL Service code 37 · EIN 04-2647786 | Loan Processing | $21,675 |
THE BENEFIT PRACTICE7 years Service code 16 · EIN 13-4144565 | Consulting | $16,054 |
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 | $296,489 | $122,042+142.9% | $184,243+60.9% | $74,429+298.4% |
| Participation rate | 100.0% | 85.5%+14.5pp | 86.8%+13.2pp | 67.2%+32.8pp |
| Annual return | 15.64% | 19.91%-4.3pp | 28.82%-13.2pp | 1368.38%-1352.7pp |
| Employer contribution / active EE | $17,525 | $4,538+286.2% | $6,427+172.7% | $2,625+567.7% |
| Participant deferral / active EE | $13,373 | $7,143+87.2% | $9,132+46.4% | $4,348+207.5% |
| Admin fee / account holder | $722 | $1,252-42.4% | $13,914-94.8% | $1,944-62.9% |