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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $34,108 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $9,983 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $4,097 |
CHARLES SCHWAB & CO., INC.2+ 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $56,400 | $63,924-11.8% | $108,582-48.1% | $55,167+2.2% |
| Participation rate | 51.8% | 74.3%-22.5pp | 79.6%-27.7pp | 69.0%-17.2pp |
| Annual return | 7.28% | 15.31%-8.0pp | -51.70%+59.0pp | 169.23%-161.9pp |
| Employer contribution / active EE | $1,233 | $1,879-34.4% | $3,758-67.2% | $1,963-37.2% |
| Participant deferral / active EE | $2,408 | $3,067-21.5% | $4,311-44.1% | $3,054-21.2% |
| Admin fee / account holder | $558 | $618-9.6% | $7,645-92.7% | $504+10.8% |