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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY FINANCIAL Service code 19 · EIN 22-1003680 31 WEST 52ND ST · NEW YORK, NY 10019 | Securities Custodian | $78,678 |
Service code 13 · EIN 22-1507478 130 CENTRAL AVE · JERSEY CITY, NJ 07306 | Contract Administrator | $38,272 |
Filed as: VOYA RETIREMENT INS AND ANNUITY CO Service code 19 · EIN 22-2521453 PO BOX · HARTFORD, CT 06199 | Securities Custodian | $11,820 |
ORANSKY SCARAGGI & BORG P.C.1+ years Filed as: ORANSKY SCARRAGI AND BORG Service code 29 · EIN 22-3522685 175 FAIFIELD DRIVE · WEST CALDWELL, NJ 07006 | Legal | $8,509 |
PUZO AND MORTENSON LLC1+ years Service code 10 · EIN 80-0008506 505 BOULEVARD · KENILWORTH, NJ 07033 | Accounting | $7,200 |
WASILEWSKI & KEATING PC1+ years Filed as: WASILEWSKI AND KEATING Service code 10 · EIN 22-2676761 117 SOUTH MAPLE AVE · BASKING RIDGE, NJ 07920 | Accounting | $6,300 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,687 | $50,498-21.4% | $75,784-47.6% | $55,191-28.1% |
| Participation rate | 100.0% | 69.4%+30.6pp | 75.8%+24.2pp | 69.2%+30.8pp |
| Annual return | -2.28% | 1.80%-4.1pp | 9.68%-12.0pp | 10.78%-13.1pp |
| Employer contribution / active EE | $4,894 | $2,291+113.6% | $3,323+47.3% | $1,899+157.8% |
| Participant deferral / active EE | $0 | $2,589-100.0% | $3,652-100.0% | $3,046-100.0% |
| Admin fee / account holder | $451 | $123+266.4% | $5,300-91.5% | $91+396.7% |