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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $41,916 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $24,599 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $99,817 | $101,653-1.8% | $147,080-32.1% | $74,459+34.1% |
| Participation rate | 78.2% | 75.6%+2.6pp | 82.2%-4.0pp | 67.2%+11.0pp |
| Annual return | 12.99% | 8754.98%-8742.0pp | 420.17%-407.2pp | 1369.70%-1356.7pp |
| Employer contribution / active EE | $784 | $3,813-79.4% | $4,933-84.1% | $2,626-70.1% |
| Participant deferral / active EE | $7,635 | $7,304+4.5% | $8,066-5.4% | $4,350+75.5% |
| Admin fee / account holder | $339 | $1,752-80.6% | $12,989-97.4% | $1,945-82.6% |