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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Service code 55 HARBORSIDE FINANCIAL CTR · JERSEY, NJ 07311 | Other Commissions | $13,757 |
Service code 37 · EIN 04-2647786 | Loan Processing | $106 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $37,019 | $70,002-47.1% | $115,038-67.8% | $52,331-29.3% |
| Participation rate | 64.4% | 72.1%-7.7pp | 81.4%-16.9pp | 68.1%-3.7pp |
| Annual return | 2.15% | 4.04%-1.9pp | 26.14%-24.0pp | 4.54%-2.4pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $7,751 | $4,920+57.5% | $6,026+28.6% | $3,022+156.5% |
| Admin fee / account holder | $5 | $566-99.1% | $8,175-99.9% | $592-99.1% |