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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 19 800 EAST 96TH STREET SUITE 400 · INDIANAPOLIS, IN 46240 | Securities Custodian | $48,876 |
Service code 15 · EIN 35-2085640 10765 LANTERN ROAD, SUITE 202 · FISHERS, IN 46038 | Recordkeeping | $19,603 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $47,199 | $51,466-8.3% | $78,778-40.1% | $62,293-24.2% |
| Participation rate | 78.4% | 59.8%+18.6pp | 69.2%+9.2pp | 69.5%+8.9pp |
| Annual return | 13.85% | 19.96%-6.1pp | 35.62%-21.8pp | 28.90%-15.0pp |
| Employer contribution / active EE | $292 | $827-64.7% | $1,986-85.3% | $2,042-85.7% |
| Participant deferral / active EE | $3,063 | $2,147+42.6% | $2,958+3.5% | $3,169-3.4% |
| Admin fee / account holder | $712 | $489+45.5% | $5,134-86.1% | $479+48.6% |