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| Provider | Service type | Compensation |
|---|---|---|
LAWRENCE F. TORNETTA LLC1+ years Filed as: LAWRENCE F. TORNETTA Service code 10 · EIN 23-2385729 | Accounting | $21,300 |
MORGAN STANLEY SMITH BARNEY1+ years Service code 55 HARBORSIDE FINANCIAL CTR PLAZA 2 · JERSEY CITY, NJ 07311 | Other Commissions | $16,299 |
Service code 25 · EIN 04-2647786 | Directed Trustee | $2,906 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $73,648 | $39,245+87.7% | $64,105+14.9% | $52,331+40.7% |
| Participation rate | 30.3% | 58.2%-27.9pp | 68.2%-37.9pp | 68.1%-37.8pp |
| Annual return | -2.19% | 14.79%-17.0pp | 791.24%-793.4pp | 4.54%-6.7pp |
| Employer contribution / active EE | $0 | $736-100.0% | $1,820-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,944 | $1,992-2.4% | $2,822-31.1% | $3,022-35.7% |
| Admin fee / account holder | $384 | $592-35.2% | $4,499-91.5% | $592-35.1% |