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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 26 1300 THAMES ST WHARF · BALTIMORE, MD 21231 | Advisory (Participants) | $9,729 |
PAYCHEX, INC.4 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $8,106 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,971 | $73,638-60.7% | $108,405-73.3% | $79,391-63.5% |
| Participation rate | 67.2% | 77.4%-10.1pp | 80.1%-12.9pp | 70.7%-3.5pp |
| Annual return | 15.41% | 33.27%-17.9pp | 905.55%-890.1pp | 116.88%-101.5pp |
| Employer contribution / active EE | $1,622 | $2,397-32.3% | $3,559-54.4% | $2,428-33.2% |
| Participant deferral / active EE | $2,631 | $6,218-57.7% | $6,563-59.9% | $4,046-35.0% |
| Admin fee / account holder | $120 | $638-81.2% | $7,297-98.4% | $627-80.9% |