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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $144,814 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: J.P. MORGAN SECURITIES LLC Service code 27 · EIN 13-4110995 | Advisory (Plan) | $44,540 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $23,868 | $93,010-74.3% | $96,520-75.3% | $74,440-67.9% |
| Participation rate | 68.4% | 71.6%-3.2pp | 74.3%-6.0pp | 70.7%-2.4pp |
| Annual return | 24.80% | 37.50%-12.7pp | 35.72%-10.9pp | 34.37%-9.6pp |
| Employer contribution / active EE | $3,380 | $3,427-1.4% | $3,739-9.6% | $2,638+28.1% |
| Participant deferral / active EE | $3,535 | $3,971-11.0% | $4,879-27.5% | $4,529-21.9% |
| Admin fee / account holder | $199 | $633-68.5% | $6,733-97.0% | $348-42.7% |