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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY GLOBAL BANKING OPER Service code 26 · EIN 26-4310632 | Advisory (Participants) | $25,588 |
Service code 37 · EIN 04-2647786 | Loan Processing | $19,917 |
KATZ, SAPPER & MILLER6+ years Service code 10 · EIN 35-1090346 | Accounting | $12,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $57,974 | $73,638-21.3% | $95,956-39.6% | $73,493-21.1% |
| Participation rate | 67.3% | 76.2%-8.8pp | 77.1%-9.8pp | 70.7%-3.4pp |
| Annual return | 10.29% | 16.78%-6.5pp | 91.63%-81.3pp | 28.51%-18.2pp |
| Employer contribution / active EE | $501 | $1,863-73.1% | $2,541-80.3% | $2,270-77.9% |
| Participant deferral / active EE | $3,144 | $3,617-13.1% | $4,167-24.6% | $3,740-15.9% |
| Admin fee / account holder | $325 | $482-32.6% | $6,797-95.2% | $513-36.7% |