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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY8+ years Service code 55 · EIN 26-4310632 | Other Commissions | $18,667 |
LAWRENCE F. TORNETTA LLC3 years Filed as: LAWRENCE F TORNETTA LLC Service code 10 · EIN 81-4649052 | Accounting | $16,100 |
Service code 25 · EIN 04-2647786 | Directed Trustee | $2,908 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,325 | $49,451+11.9% | $79,580-30.5% | $66,938-17.3% |
| Participation rate | 44.3% | 61.3%-17.0pp | 69.5%-25.2pp | 69.8%-25.5pp |
| Annual return | -21.85% | 84.25%-106.1pp | 0.15%-22.0pp | 1.58%-23.4pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,413-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $3,025 | $3,159-4.2% | $3,985-24.1% | $4,238-28.6% |
| Admin fee / account holder | $214 | $595-64.1% | $6,835-96.9% | $594-64.0% |