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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY WEALTH MGMT., LLC Service code 26 650 SOUTH EXETER ST., SUITE 1100 · BALTIMORE, MD 21202 | Advisory (Participants) | $64,790 |
CDM RETIREMENT CONSULTANTS, INC.2+ years Service code 15 300 E. JOPPA RD., STE 601 · TOWSON, MD 21286 | Recordkeeping | $18,322 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,353 | $42,546+86.5% | $71,796+10.5% | $55,167+43.8% |
| Participation rate | 62.4% | 59.1%+3.3pp | 69.1%-6.7pp | 69.0%-6.6pp |
| Annual return | 8.52% | 12.36%-3.8pp | 78.04%-69.5pp | 169.23%-160.7pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $4,316 | $2,064+109.1% | $2,794+54.5% | $3,054+41.3% |
| Admin fee / account holder | $594 | $650-8.6% | $4,815-87.7% | $504+17.8% |