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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY6+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $117,612 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $97,015 |
CHARLES SCHWAB & CO., INC.4 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $14,775 |
CHARLES SCHWAB & CO., INC.6+ 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 | $23,141 | $107,415-78.5% | $135,982-83.0% | $80,169-71.1% |
| Participation rate | 62.4% | 78.0%-15.6pp | 81.9%-19.5pp | 72.9%-10.5pp |
| Annual return | 29.69% | 91.99%-62.3pp | 68.32%-38.6pp | 40.39%-10.7pp |
| Employer contribution / active EE | $1,107 | $3,878-71.5% | $4,859-77.2% | $2,978-62.8% |
| Participant deferral / active EE | $2,988 | $8,189-63.5% | $7,760-61.5% | $5,016-40.4% |
| Admin fee / account holder | $98 | $127-22.5% | $10,767-99.1% | $145-32.1% |