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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2+ years Service code 55 · EIN 26-4310632 | Other Commissions | $8,135 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,606 |
Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 61 · EIN 04-3523567 | Finders' fees / placement fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,608 | $59,535-55.3% | $90,161-70.5% | $62,293-57.3% |
| Participation rate | 65.6% | 73.0%-7.4pp | 76.9%-11.2pp | 69.5%-3.9pp |
| Annual return | 54.43% | 23.53%+30.9pp | 34.89%+19.5pp | 28.90%+25.5pp |
| Employer contribution / active EE | $1,183 | $1,826-35.2% | $3,318-64.3% | $2,042-42.1% |
| Participant deferral / active EE | $5,857 | $4,639+26.3% | $5,287+10.8% | $3,169+84.8% |
| Admin fee / account holder | $14 | $337-95.9% | $5,943-99.8% | $479-97.1% |