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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $36,241 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 99 · EIN 20-8764829 | Other Fees | $22,680 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $75,787 | $58,311+30.0% | $81,882-7.4% | $80,959-6.4% |
| Participation rate | 56.9% | 63.5%-6.5pp | 72.4%-15.4pp | 67.7%-10.7pp |
| Annual return | 13.49% | 41.85%-28.4pp | 779.47%-766.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $2,209 | $2,347-5.9% | $2,916-24.2% | $2,757-19.9% |
| Participant deferral / active EE | $8,406 | $3,287+155.7% | $4,323+94.5% | $4,300+95.5% |
| Admin fee / account holder | $326 | $4,752-93.1% | $7,360-95.6% | $6,925-95.3% |