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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Service code 55 · EIN 26-4310632 | Other Commissions | $13,394 |
Service code 37 · EIN 04-2647786 | Loan Processing | $531 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $72,290 | $72,620-0.5% | $90,760-20.4% | $66,938+8.0% |
| Participation rate | 46.0% | 73.7%-27.7pp | 75.7%-29.7pp | 69.8%-23.8pp |
| Annual return | -14.87% | -12.28%-2.6pp | -12.16%-2.7pp | 1.58%-16.5pp |
| Employer contribution / active EE | $244 | $2,369-89.7% | $2,922-91.7% | $2,545-90.4% |
| Participant deferral / active EE | $2,573 | $3,979-35.3% | $4,565-43.6% | $4,238-39.3% |
| Admin fee / account holder | $8 | $707-98.9% | $8,444-99.9% | $594-98.7% |