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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $9,867 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $5,576 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $1,570 |
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.
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).
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 | $20,294 | $42,582-52.3% | $171,082-88.1% | $57,658-64.8% |
| Participation rate | 14.4% | 63.9%-49.6pp | 76.7%-62.3pp | 70.2%-55.9pp |
| Annual return | 6.24% | 308.67%-302.4pp | 32.56%-26.3pp | 5.13%+1.1pp |
| Employer contribution / active EE | $0 | $1,306-100.0% | $4,002-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $432 | $2,933-85.3% | $4,797-91.0% | $3,061-85.9% |
| Admin fee / account holder | $178 | $82+115.6% | $8,520-97.9% | $95+87.8% |