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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2+ years Service code 55 HARBORSIDE FINANCIAL CTR · JERSEY CITY, NJ 07311 | Other Commissions | $16,174 |
Service code 25 · EIN 04-2647786 | Directed Trustee | $2,838 |
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 | $67,101 | $42,546+57.7% | $71,796-6.5% | $55,167+21.6% |
| Participation rate | 37.0% | 59.1%-22.1pp | 69.1%-32.1pp | 69.0%-32.0pp |
| Annual return | 7.64% | 12.36%-4.7pp | 78.04%-70.4pp | 169.23%-161.6pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,434 | $2,064+17.9% | $2,794-12.9% | $3,054-20.3% |
| Admin fee / account holder | $41 | $650-93.8% | $4,815-99.2% | $504-92.0% |