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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY7+ years Service code 15 · EIN 20-8764829 | Recordkeeping | $28,826 |
MORGAN STANLEY SMITH BARNEY7+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 15 · EIN 26-4310632 | Recordkeeping | $15,746 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $13,444 |
ADP BROKER-DEALER7+ years Service code 59 · EIN 22-3319984 | 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,771 | $73,638+16.5% | $108,410-20.9% | $79,393+8.0% |
| Participation rate | 65.1% | 77.4%-12.2pp | 80.1%-15.0pp | 70.7%-5.6pp |
| Annual return | 15.65% | 33.27%-17.6pp | 905.34%-889.7pp | 116.87%-101.2pp |
| Employer contribution / active EE | $1,526 | $2,397-36.3% | $3,558-57.1% | $2,428-37.1% |
| Participant deferral / active EE | $3,058 | $6,218-50.8% | $6,562-53.4% | $4,046-24.4% |
| Admin fee / account holder | $339 | $638-46.8% | $7,296-95.3% | $627-45.8% |