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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.9+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $45,270 |
THE VANGUARD GROUP, INC.3 years Filed as: VANGUARD ADVISERS INC. Service code 26 · EIN 23-2811930 | Advisory (Participants) | $29,352 |
Filed as: MORGAN STANLEY Service code 27 · EIN 20-8764829 | Advisory (Plan) | $26,250 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $352,523 | $61,391+474.2% | $149,723+135.4% | $71,529+392.8% |
| Participation rate | 97.9% | 62.5%+35.4pp | 78.8%+19.1pp | 67.9%+30.0pp |
| Annual return | 20.15% | 35.88%-15.7pp | 134.50%-114.3pp | 28.97%-8.8pp |
| Employer contribution / active EE | $14,028 | $2,384+488.5% | $4,821+191.0% | $2,590+441.7% |
| Participant deferral / active EE | $21,635 | $2,921+640.7% | $5,682+280.7% | $4,291+404.1% |
| Admin fee / account holder | $433 | $1,264-65.8% | $13,215-96.7% | $1,588-72.8% |