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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY8+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 26-4310632 | Advisory (Participants) | $31,514 |
NWPS2 years Service code 15 · EIN 91-2090931 4025 DELRIDGE WAY SW STE 250 · SEATTLE, WA 98106 | Recordkeeping | $27,448 |
CHARLES SCHWAB & CO., INC.8+ years Filed as: CHARLES SCHWAB BANK Service code 18 · EIN 42-1558009 | Trustee (bank, trust company, or simi... | $7,816 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $55,003 | $84,493-34.9% | $125,381-56.1% | $66,938-17.8% |
| Participation rate | 63.8% | 76.4%-12.6pp | 82.4%-18.5pp | 69.8%-6.0pp |
| Annual return | -18.47% | -8.49%-10.0pp | 572.31%-590.8pp | 1.58%-20.0pp |
| Employer contribution / active EE | $915 | $3,554-74.2% | $4,815-81.0% | $2,545-64.0% |
| Participant deferral / active EE | $6,301 | $6,783-7.1% | $7,448-15.4% | $4,238+48.7% |
| Admin fee / account holder | $254 | $685-63.0% | $10,007-97.5% | $594-57.3% |