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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY9 years Service code 55 · EIN 26-4310632 | Other Commissions | $110,448 |
PENSION ASSURANCE LLP6 years Service code 10 · EIN 30-0840934 | Accounting | $14,000 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | -$197,626 |
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 | $112,035 | $122,219-8.3% | $147,096-23.8% | $199,921-44.0% |
| Participation rate | 97.8% | 78.3%+19.5pp | 82.2%+15.6pp | 72.0%+25.8pp |
| Annual return | 23.29% | 30.59%-7.3pp | 419.75%-396.5pp | 34.28%-11.0pp |
| Employer contribution / active EE | $7,479 | $4,096+82.6% | $4,936+51.5% | $3,035+146.4% |
| Participant deferral / active EE | $16,358 | $8,503+92.4% | $8,071+102.7% | $5,089+221.5% |
| Admin fee / account holder | -$69 | $179-138.6% | $13,005-100.5% | $269-125.7% |