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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Service code 55 HARBORSIDE FINANCIAL CTR · JERSEY CITY, NJ 07311 | Other Commissions | $14,751 |
Service code 37 · EIN 04-2647786 | Loan Processing | $6,940 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $23,051 | $88,324-73.9% | $115,038-80.0% | $55,191-58.2% |
| Participation rate | 34.3% | 72.5%-38.2pp | 81.4%-47.0pp | 69.2%-34.8pp |
| Annual return | 1.39% | 6.30%-4.9pp | 26.14%-24.8pp | 10.78%-9.4pp |
| Employer contribution / active EE | $1 | $2,805-100.0% | $4,608-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $2,200 | $5,042-56.4% | $6,026-63.5% | $3,046-27.8% |
| Admin fee / account holder | $40 | $105-62.4% | $8,175-99.5% | $91-56.3% |