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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4+ years Service code 55 · EIN 26-4310632 | Other Commissions | $21,026 |
LAWRENCE F. TORNETTA LLC1 year Filed as: LAWRENCE F TORNETTA Service code 10 · EIN 61-0275052 | Accounting | $13,500 |
Service code 25 · EIN 04-2647786 | Directed Trustee | $3,070 |
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.
Annual investment return 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 | $64,105 | $42,548+50.7% | $74,551-14.0% | $56,289+13.9% |
| Participation rate | 47.9% | 60.5%-12.5pp | 69.1%-21.2pp | 69.9%-21.9pp |
| Annual return | -10.08% | 12.40%-22.5pp | 32.53%-42.6pp | -9.96%-0.1pp |
| Employer contribution / active EE | $0 | $855-100.0% | $1,961-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,785 | $2,277+22.3% | $3,108-10.4% | $3,350-16.9% |
| Admin fee / account holder | $190 | $467-59.2% | $5,059-96.2% | $521-63.4% |