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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $13,653 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $7,046 |
CHARLES SCHWAB & CO., INC.5+ years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 42-1558009 | Securities Custodian | $1,964 |
CHARLES SCHWAB & CO., INC.3 years Service code 18 · EIN 94-1737782 | Shareholder servicing fees; Custodial... | $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.
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 | $35,148 | $48,471-27.5% | $182,558-80.7% | $67,582-48.0% |
| Participation rate | 8.2% | 67.2%-59.0pp | 78.0%-69.8pp | 71.3%-63.1pp |
| Annual return | 23.37% | 31.08%-7.7pp | 148.59%-125.2pp | 378.57%-355.2pp |
| Employer contribution / active EE | $0 | $1,461-100.0% | $4,076-100.0% | $2,148-100.0% |
| Participant deferral / active EE | $278 | $3,324-91.6% | $5,526-95.0% | $3,539-92.1% |
| Admin fee / account holder | $280 | $151+85.3% | $8,594-96.7% | $142+96.9% |