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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY7+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $158,792 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $140,617 |
CHARLES SCHWAB & CO., INC.5 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $70,595 |
CHARLES SCHWAB & CO., INC.7+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 | $28,900 | $122,128-76.3% | $147,117-80.4% | $200,096-85.6% |
| Participation rate | 63.5% | 78.2%-14.6pp | 82.2%-18.6pp | 72.0%-8.5pp |
| Annual return | 16.23% | 30.58%-14.4pp | 420.54%-404.3pp | 34.26%-18.0pp |
| Employer contribution / active EE | $1,175 | $4,093-71.3% | $4,932-76.2% | $3,038-61.3% |
| Participant deferral / active EE | $3,114 | $8,484-63.3% | $8,065-61.4% | $5,090-38.8% |
| Admin fee / account holder | $127 | $180-29.1% | $12,993-99.0% | $269-52.7% |