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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $641 |
MORGAN STANLEY SMITH BARNEY2+ years Service code 61 · EIN 26-4310632 | Finders' fees / placement fees | $0 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $33,417 | $68,408-51.2% | $57,196-41.6% | $57,658-42.0% |
| Participation rate | 68.5% | 79.1%-10.6pp | 75.3%-6.8pp | 70.2%-1.7pp |
| Annual return | 5.55% | 8.51%-3.0pp | 14.59%-9.0pp | 5.13%+0.4pp |
| Employer contribution / active EE | $385 | $2,869-86.6% | $2,683-85.6% | $1,974-80.5% |
| Participant deferral / active EE | $2,128 | $2,903-26.7% | $3,096-31.3% | $3,061-30.5% |
| Admin fee / account holder | $3 | $70-96.1% | $3,141-99.9% | $95-97.1% |