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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL Service code 27 · EIN 20-8764829 | Advisory (Plan) | $45,554 |
PRINCIPAL LIFE INSURANCE COMPANY8+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $38,084 |
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.
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 | $99,847 | $44,642+123.7% | $91,219+9.5% | $66,923+49.2% |
| Participation rate | 97.3% | 64.9%+32.4pp | 73.2%+24.1pp | 69.8%+27.4pp |
| Annual return | -19.30% | -12.29%-7.0pp | 114.06%-133.4pp | 1.58%-20.9pp |
| Employer contribution / active EE | $2,571 | $1,706+50.7% | $2,851-9.8% | $2,545+1.0% |
| Participant deferral / active EE | $6,344 | $3,349+89.4% | $4,234+49.8% | $4,237+49.7% |
| Admin fee / account holder | $382 | $521-26.8% | $5,421-93.0% | $593-35.6% |