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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY10+ years Filed as: MORGAN STANLEY WEALTH MGMT., LLC Service code 26 650 SOUTH EXETER ST., SUITE 1100 · BALTIMORE, MD 21202 | Advisory (Participants) | $76,504 |
NWPS5 years Service code 15 300 E. JOPPA RD., STE 601 · TOWSON, MD 21286 | Recordkeeping | $32,930 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $84,834 | $59,467+42.7% | $93,727-9.5% | $74,478+13.9% |
| Participation rate | 89.5% | 59.6%+29.9pp | 68.7%+20.8pp | 67.2%+22.3pp |
| Annual return | 14.27% | 82.14%-67.9pp | 133.83%-119.6pp | 1370.56%-1356.3pp |
| Employer contribution / active EE | $63 | $1,267-95.0% | $2,421-97.4% | $2,626-97.6% |
| Participant deferral / active EE | $6,084 | $3,052+99.4% | $4,417+37.7% | $4,350+39.9% |
| Admin fee / account holder | $447 | $3,028-85.3% | $8,292-94.6% | $1,946-77.0% |