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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Service code 15 · EIN 20-8764829 | Recordkeeping | $38,643 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $31,673 |
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.)
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 | $115,856 | $45,126+156.7% | $85,187+36.0% | $74,459+55.6% |
| Participation rate | 64.9% | 49.4%+15.5pp | 67.5%-2.6pp | 67.2%-2.3pp |
| Annual return | 14.58% | 26.30%-11.7pp | 66.67%-52.1pp | 1369.70%-1355.1pp |
| Employer contribution / active EE | $2,163 | $1,460+48.1% | $2,732-20.8% | $2,626-17.6% |
| Participant deferral / active EE | $7,405 | $2,738+170.4% | $4,525+63.6% | $4,350+70.2% |
| Admin fee / account holder | $361 | $2,212-83.7% | $6,162-94.1% | $1,945-81.5% |