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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $17,471 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $9,143 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $4,201 |
CHARLES SCHWAB & CO., INC.3+ 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.)
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 | $60,440 | $71,192-15.1% | $117,861-48.7% | $62,293-3.0% |
| Participation rate | 52.4% | 74.2%-21.8pp | 79.7%-27.2pp | 69.5%-17.1pp |
| Annual return | 16.20% | 18.66%-2.5pp | 335.11%-318.9pp | 28.90%-12.7pp |
| Employer contribution / active EE | $1,213 | $1,934-37.3% | $3,786-68.0% | $2,042-40.6% |
| Participant deferral / active EE | $2,302 | $3,189-27.8% | $4,482-48.6% | $3,169-27.4% |
| Admin fee / account holder | $325 | $587-44.7% | $8,021-96.0% | $479-32.3% |