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| Provider | Service type | Compensation |
|---|---|---|
LAWRENCE F. TORNETTA LLC1 year Filed as: LAWRENCE F TORNETTA, LTD Service code 10 · EIN 23-2385729 | Accounting | $25,050 |
MORGAN STANLEY SMITH BARNEY3+ years Service code 55 · EIN 26-4310632 | Other Commissions | $17,579 |
Service code 25 · EIN 04-2647786 | Directed Trustee | $2,849 |
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 99 HARBORSIDE FINANCIAL CTR · JERSEY CITY, NJ 07311 | Other 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.
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 | $68,336 | $51,466+32.8% | $78,778-13.3% | $62,293+9.7% |
| Participation rate | 49.3% | 59.8%-10.5pp | 69.2%-19.9pp | 69.5%-20.2pp |
| Annual return | 18.77% | 19.96%-1.2pp | 35.62%-16.8pp | 28.90%-10.1pp |
| Employer contribution / active EE | $0 | $827-100.0% | $1,986-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,696 | $2,147+25.5% | $2,958-8.9% | $3,169-14.9% |
| Admin fee / account holder | $324 | $489-33.7% | $5,134-93.7% | $479-32.3% |