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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 | $58,234+30.1% | $81,783-7.3% | $80,874-6.3% |
| Participation rate | 56.9% | 63.4%-6.5pp | 72.4%-15.4pp | 67.6%-10.7pp |
| Annual return | 13.49% | 41.70%-28.2pp | 775.05%-761.6pp | 35.62%-22.1pp |
| Employer contribution / active EE | $2,209 | $2,341-5.6% | $2,913-24.1% | $2,756-19.8% |
| Participant deferral / active EE | $8,406 | $3,283+156.1% | $4,320+94.6% | $4,297+95.6% |
| Admin fee / account holder | $326 | $4,982-93.4% | $7,380-95.6% | $6,935-95.3% |