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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA INSTITUTIONAL PLAN SERVICES Service code 30 · EIN 04-3516284 | Recordkeeping fees; Participant loan ... | $455,607 |
MORGAN STANLEY SMITH BARNEY9 years Filed as: MORGAN STANLEY Service code 26 · EIN 26-4310632 | Advisory (Participants) | $127,538 |
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $24,745 | $67,672-63.4% | $155,567-84.1% | $99,061-75.0% |
| Participation rate | 85.9% | 67.2%+18.7pp | 78.2%+7.7pp | 71.6%+14.3pp |
| Annual return | 8.45% | 16.16%-7.7pp | 64.74%-56.3pp | 17.66%-9.2pp |
| Employer contribution / active EE | $0 | $2,262-100.0% | $4,674-100.0% | $3,261-100.0% |
| Participant deferral / active EE | $3,698 | $3,827-3.4% | $5,628-34.3% | $5,331-30.6% |
| Admin fee / account holder | $71 | $94-24.7% | $15,916-99.6% | $109-35.3% |