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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY Service code 49 · EIN 20-8764829 | Other Services | $44,072 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $31,669 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $11,205 | $37,213-69.9% | $156,551-92.8% | $63,975-82.5% |
| Participation rate | 54.4% | 65.0%-10.6pp | 84.0%-29.6pp | 71.1%-16.7pp |
| Annual return | 14.15% | 47.89%-33.7pp | 32.23%-18.1pp | 48.65%-34.5pp |
| Employer contribution / active EE | $166 | $1,357-87.8% | $5,501-97.0% | $2,182-92.4% |
| Participant deferral / active EE | $819 | $2,070-60.4% | $4,871-83.2% | $3,356-75.6% |
| Admin fee / account holder | $15 | $56-73.8% | $13,028-99.9% | $70-79.0% |