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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY SMITH BARNEY, LLC Service code 27 · EIN 26-4310632 PARK AVENUE PLAZA · NEW YORK, NY 10005 | Advisory (Plan) | $38,026 |
Filed as: MERRILL LYNCH Service code 27 60 LAKE ST., SUITE 1G · BURLINGTON, VT 05401 | Advisory (Plan) | $31,211 |
WELLS FARGO BANK, N.A.2+ years Filed as: WELLS FARGO ADVISORS Service code 27 51 JFK PARKWAY, FOURTH FLOOR · SHORT HILLS, NJ 07078 | Advisory (Plan) | $21,316 |
UBS FINANCIAL SERVICES INC2+ years Filed as: UBS FINANCIAL SERVICES, INC. Service code 27 38 EASTWOOD DRIVE, SUITE 400 · SO. BURLINGTON, VT 05403 | Advisory (Plan) | $8,660 |
THE BANK OF NEW YORK MELLON2+ years Filed as: TD BANK, NA Service code 12 · EIN 03-0326281 1006 ASTORIA BLVD. · CHERRY HILL, NJ 08002 | Investment advisory (plan); Claims pr... | $4,337 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $110,037 | $56,640+94.3% | $78,002+41.1% | $55,167+99.5% |
| Participation rate | 93.3% | 73.3%+20.0pp | 75.5%+17.8pp | 69.0%+24.3pp |
| Annual return | 3.93% | 2868.48%-2864.6pp | 425.99%-422.1pp | 169.23%-165.3pp |
| Employer contribution / active EE | $3,444 | $1,724+99.8% | $2,470+39.4% | $1,963+75.5% |
| Participant deferral / active EE | $4,442 | $2,778+59.9% | $3,497+27.0% | $3,054+45.4% |
| Admin fee / account holder | $681 | $467+46.0% | $5,481-87.6% | $504+35.2% |