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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY8 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $31,840 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $23,184 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,922 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,965 | $45,343+10.2% | $150,298-66.8% | $67,986-26.5% |
| Participation rate | 86.0% | 51.9%+34.2pp | 77.8%+8.3pp | 57.2%+28.8pp |
| Annual return | 11.58% | 33.28%-21.7pp | 62.79%-51.2pp | 31.67%-20.1pp |
| Employer contribution / active EE | $1,703 | $1,462+16.5% | $4,154-59.0% | $2,019-15.6% |
| Participant deferral / active EE | $2,967 | $2,055+44.4% | $5,453-45.6% | $3,358-11.6% |
| Admin fee / account holder | $303 | $2,250-86.5% | $14,116-97.9% | $3,203-90.5% |