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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5 years Service code 55 · EIN 26-4310632 | Other Commissions | $26,595 |
Service code 37 · EIN 04-2647786 | Loan Processing | $3,029 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $107,536 | $64,138+67.7% | $112,258-4.2% | $66,930+60.7% |
| Participation rate | 64.2% | 68.5%-4.3pp | 75.1%-10.9pp | 69.8%-5.6pp |
| Annual return | -12.28% | -13.81%+1.5pp | 27.47%-39.8pp | 1.57%-13.9pp |
| Employer contribution / active EE | $1,880 | $3,006-37.5% | $3,636-48.3% | $2,545-26.1% |
| Participant deferral / active EE | $4,293 | $3,694+16.2% | $4,728-9.2% | $4,238+1.3% |
| Admin fee / account holder | $30 | $625-95.2% | $6,411-99.5% | $593-94.9% |