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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Service code 55 · EIN 26-4310632 | Other Commissions | $23,624 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,464 |
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.
Form 5500 reported that benefits due were not provided when due.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $89,278 | $69,383+28.7% | $101,271-11.8% | $73,493+21.5% |
| Participation rate | 78.1% | 68.4%+9.7pp | 75.8%+2.3pp | 70.7%+7.4pp |
| Annual return | 10.78% | 18.46%-7.7pp | 46.48%-35.7pp | 28.51%-17.7pp |
| Employer contribution / active EE | $2,194 | $2,628-16.5% | $3,660-40.1% | $2,270-3.4% |
| Participant deferral / active EE | $4,401 | $3,301+33.3% | $4,371+0.7% | $3,740+17.7% |
| Admin fee / account holder | $12 | $704-98.3% | $5,948-99.8% | $513-97.6% |