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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $10,170 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $9,841 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $3,678 |
CHARLES SCHWAB & CO., INC.1+ 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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,752 | $57,108-25.1% | $94,229-54.6% | $52,331-18.3% |
| Participation rate | 57.3% | 72.9%-15.6pp | 78.8%-21.4pp | 68.1%-10.8pp |
| Annual return | 0.80% | 1.47%-0.7pp | 10.68%-9.9pp | 4.54%-3.7pp |
| Employer contribution / active EE | $1,130 | $1,735-34.9% | $3,587-68.5% | $1,882-39.9% |
| Participant deferral / active EE | $2,232 | $3,040-26.6% | $4,320-48.3% | $3,022-26.1% |
| Admin fee / account holder | $227 | $546-58.4% | $6,269-96.4% | $592-61.6% |