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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: JP MORGAN BROKER -DEALER Service code 27 PO BOX 681131 · CHICAGO, IL 60695 | Advisory (Plan) | $26,614 |
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT PLAN Service code 64 6455 IRVINE CENTER DRIVE · IRVINE, CA 92618 | Recordkeeping Fees | $8,696 |
Filed as: ALLIANT INSURANCE SERVICES INC. Service code 13 101 PARK AVE FL 12TH · NEW YORK, NY 101780002 | Contract Administrator | $0 |
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.)
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 | $60,921 | $91,439-33.4% | $135,974-55.2% | $71,511-14.8% |
| Participation rate | 47.6% | 75.7%-28.0pp | 81.9%-34.3pp | 67.9%-20.3pp |
| Annual return | 17.24% | 29.90%-12.7pp | 68.30%-51.1pp | 28.86%-11.6pp |
| Employer contribution / active EE | $0 | $3,705-100.0% | $4,859-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $5,792 | $7,093-18.3% | $7,760-25.4% | $4,291+35.0% |
| Admin fee / account holder | $327 | $1,267-74.2% | $10,767-97.0% | $1,588-79.4% |