Filed February 13, 2026
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY GLOBAL Service code 27 · EIN 26-4310632 | Advisory (Plan) | $27,697 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $22,648 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $89,192 | $76,112+17.2% | $96,534-7.6% | $71,511+24.7% |
| Participation rate | 64.3% | 74.4%-10.1pp | 76.0%-11.7pp | 67.9%-3.6pp |
| Annual return | 20.89% | 22.81%-1.9pp | 25.88%-5.0pp | 28.86%-8.0pp |
| Employer contribution / active EE | $2,022 | $2,248-10.1% | $2,965-31.8% | $2,589-21.9% |
| Participant deferral / active EE | $6,654 | $4,217+57.8% | $4,851+37.2% | $4,291+55.1% |
| Admin fee / account holder | $340 | $2,708-87.4% | $8,253-95.9% | $1,588-78.6% |