Filed February 11, 2011
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3+ years Service code 27 1 NEW YORK PLZ 12TH FL · NEW YORK, NY 10004 | Advisory (Plan) | $17,687 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $14,792 |
BDO USA, LLP3+ years Service code 13 | Contract Administrator | $0 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,921 | $47,448+1.0% | $94,993-49.6% | $62,293-23.1% |
| Participation rate | 47.5% | 66.5%-19.0pp | 73.9%-26.3pp | 69.5%-22.0pp |
| Annual return | 17.83% | 22.64%-4.8pp | 27.14%-9.3pp | 28.90%-11.1pp |
| Employer contribution / active EE | $1,388 | $1,300+6.8% | $2,603-46.7% | $2,042-32.0% |
| Participant deferral / active EE | $2,773 | $2,375+16.8% | $3,317-16.4% | $3,169-12.5% |
| Admin fee / account holder | $302 | $434-30.5% | $4,960-93.9% | $479-37.0% |