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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY Service code 21 2100 GEORGETOWN DR. STE. 500 · SEWICKLEY, PA 15143 | Bank Trustee | $59,456 |
PENCHECKS1 year Service code 21 · EIN 33-6134835 8580 LA MESA BLVD. STE. 101 · LA MESA, CA 91942 | Bank Trustee | $11,745 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $118,706 | $185,883-36.1% | $170,043-30.2% | $139,466-14.9% |
| Participation rate | 0.0% | 87.8%-87.8pp | 87.0%-87.0pp | 80.3%-80.3pp |
| Annual return | 502.70% | 60.54%+442.2pp | 53.40%+449.3pp | 373.66%+129.0pp |
| Employer contribution / active EE | $0 | $7,596-100.0% | $6,790-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $0 | $11,626-100.0% | $10,410-100.0% | $6,712-100.0% |
| Admin fee / account holder | $460 | $15,393-97.0% | $12,824-96.4% | $11,409-96.0% |