See peer percentile detail. $4.99 for your first month.
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY6+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $14,127 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $12,817 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $4,330 |
CHARLES SCHWAB & CO., INC.6+ years Service code 19 · EIN 94-1737782 | Securities Custodian | $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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,883 | $81,474-15.5% | $133,956-48.6% | $73,488-6.3% |
| Participation rate | 49.6% | 76.4%-26.8pp | 79.8%-30.3pp | 70.7%-21.1pp |
| Annual return | 13.64% | 19.40%-5.8pp | 45.09%-31.5pp | 28.51%-14.9pp |
| Employer contribution / active EE | $978 | $2,209-55.7% | $3,919-75.0% | $2,270-56.9% |
| Participant deferral / active EE | $1,572 | $3,786-58.5% | $5,048-68.9% | $3,740-58.0% |
| Admin fee / account holder | $374 | $713-47.5% | $8,927-95.8% | $513-27.1% |