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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY11+ years Filed as: MORGAN STANLEY WEALTH MGMT., LLC Service code 26 650 SOUTH EXETER ST., SUITE 1100 · BALTIMORE, MD 21202 | Advisory (Participants) | $54,738 |
NWPS6 years Service code 15 300 E. JOPPA RD., STE 601 · TOWSON, MD 21286 | Recordkeeping | $34,611 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $87,566 | $65,246+34.2% | $98,716-11.3% | $67,986+28.8% |
| Participation rate | 89.3% | 51.4%+37.9pp | 69.3%+20.0pp | 57.2%+32.1pp |
| Annual return | 13.14% | 20.58%-7.4pp | 31.81%-18.7pp | 31.67%-18.5pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $2,279-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $6,085 | $2,594+134.6% | $4,048+50.3% | $3,358+81.2% |
| Admin fee / account holder | $398 | $4,561-91.3% | $8,703-95.4% | $3,203-87.6% |