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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 | $9,747 |
Service code 37 · EIN 04-2647786 | Loan Processing | $6,717 |
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.
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).
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 | $23,351 | $80,177-70.9% | $123,894-81.2% | $57,658-59.5% |
| Participation rate | 37.4% | 74.4%-37.0pp | 81.4%-44.0pp | 70.2%-32.8pp |
| Annual return | 5.85% | 17.90%-12.1pp | 47.52%-41.7pp | 5.13%+0.7pp |
| Employer contribution / active EE | $0 | $2,913-100.0% | $4,617-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $2,267 | $5,130-55.8% | $5,984-62.1% | $3,061-25.9% |
| Admin fee / account holder | $38 | $106-64.5% | $8,357-99.5% | $95-60.1% |