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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 49 · EIN 51-0116113 | Other Services | $5,617 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $4,305 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,759 | $65,453-30.1% | $86,691-47.2% | $66,930-31.6% |
| Participation rate | 50.7% | 75.5%-24.7pp | 76.6%-25.8pp | 69.8%-19.1pp |
| Annual return | -19.59% | -10.89%-8.7pp | 35.94%-55.5pp | 1.57%-21.2pp |
| Employer contribution / active EE | $1,010 | $2,154-53.1% | $2,837-64.4% | $2,545-60.3% |
| Participant deferral / active EE | $3,182 | $4,102-22.4% | $4,656-31.6% | $4,238-24.9% |
| Admin fee / account holder | $37 | $642-94.2% | $7,492-99.5% | $593-93.8% |