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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $98,043 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $84,507 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $12,805 |
CHARLES SCHWAB & CO., INC.5+ 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 | $17,280 | $95,388-81.9% | $125,391-86.2% | $77,906-77.8% |
| Participation rate | 61.2% | 78.6%-17.4pp | 82.4%-21.2pp | 73.7%-12.5pp |
| Annual return | -12.36% | 116.19%-128.5pp | 572.41%-584.8pp | 12.16%-24.5pp |
| Employer contribution / active EE | $980 | $3,666-73.3% | $4,816-79.6% | $2,846-65.6% |
| Participant deferral / active EE | $2,746 | $7,711-64.4% | $7,448-63.1% | $4,805-42.9% |
| Admin fee / account holder | $99 | $119-17.0% | $10,009-99.0% | $133-25.6% |