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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $51,754 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: J.P. MORGAN SECURITIES LLC Service code 27 · EIN 13-4110995 | Advisory (Plan) | $35,517 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $130,887 | $84,499+54.9% | $125,391+4.4% | $66,949+95.5% |
| Participation rate | 99.0% | 76.4%+22.5pp | 82.4%+16.6pp | 69.8%+29.1pp |
| Annual return | -14.44% | -8.49%-5.9pp | 572.41%-586.9pp | 1.57%-16.0pp |
| Employer contribution / active EE | $5,622 | $3,554+58.2% | $4,816+16.7% | $2,545+120.9% |
| Participant deferral / active EE | $10,920 | $6,785+60.9% | $7,448+46.6% | $4,239+157.6% |
| Admin fee / account holder | $393 | $685-42.6% | $10,009-96.1% | $594-33.8% |