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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $19,009 |
MORGAN STANLEY SMITH BARNEY8 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $18,218 |
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.
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 | $31,361 | $89,093-64.8% | $102,434-69.4% | $77,736-59.7% |
| Participation rate | 63.9% | 80.9%-17.0pp | 76.5%-12.6pp | 70.6%-6.7pp |
| Annual return | 11.51% | 25.03%-13.5pp | 29.46%-17.9pp | 31.26%-19.8pp |
| Employer contribution / active EE | $1,378 | $2,699-48.9% | $3,023-54.4% | $2,728-49.5% |
| Participant deferral / active EE | $3,685 | $5,147-28.4% | $5,055-27.1% | $4,651-20.8% |
| Admin fee / account holder | $147 | $236-37.6% | $9,462-98.4% | $433-66.0% |