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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Service code 55 · EIN 26-4310632 | Other Commissions | $13,643 |
Service code 37 · EIN 04-2647786 | Loan Processing | $600 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $97,740 | $79,438+23.0% | $106,551-8.3% | $79,393+23.1% |
| Participation rate | 41.7% | 74.2%-32.5pp | 76.1%-34.5pp | 70.7%-29.0pp |
| Annual return | 9.79% | 18.27%-8.5pp | 26.80%-17.0pp | 116.87%-107.1pp |
| Employer contribution / active EE | $199 | $2,235-91.1% | $2,819-92.9% | $2,428-91.8% |
| Participant deferral / active EE | $2,297 | $3,824-39.9% | $4,398-47.8% | $4,046-43.2% |
| Admin fee / account holder | $10 | $523-98.1% | $7,408-99.9% | $627-98.4% |