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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 71-0294708 | Advisory (Participants) | $1,219,197 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY GLOBAL BANKING OP Service code 99 · EIN 31-1683563 | Other Fees | $93,267 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 | Advisory (Participants) | $85,842 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $81,818 | $153,507-46.7% | $106,554-23.2% | $101,555-19.4% |
| Participation rate | 50.1% | 86.3%-36.2pp | 76.1%-26.0pp | 74.5%-24.4pp |
| Annual return | 13.22% | 15.11%-1.9pp | 26.80%-13.6pp | 21.00%-7.8pp |
| Employer contribution / active EE | $1,057 | $4,668-77.3% | $2,819-62.5% | $2,972-64.4% |
| Participant deferral / active EE | $2,715 | $7,264-62.6% | $4,398-38.3% | $4,874-44.3% |
| Admin fee / account holder | $200 | $74+171.7% | $7,408-97.3% | $139+43.5% |