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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 49 · EIN 26-4310632 | Other Services | $9,715 |
PRINCIPAL LIFE INSURANCE COMPANY4+ years Service code 37 · EIN 42-0127290 | Loan Processing | $5,536 |
WILSHIRE ASSOCIATES INCORPORATED4+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $39,130 | $55,002-28.9% | $59,899-34.7% | $56,289-30.5% |
| Participation rate | 27.0% | 75.9%-48.9pp | 74.7%-47.7pp | 69.9%-42.8pp |
| Annual return | -4.92% | 1.13%-6.1pp | 3.46%-8.4pp | -9.96%+5.0pp |
| Employer contribution / active EE | $0 | $2,448-100.0% | $2,723-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,050 | $3,121-66.4% | $3,402-69.2% | $3,350-68.7% |
| Admin fee / account holder | $68 | $236-71.4% | $3,592-98.1% | $521-87.0% |