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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY7+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $19,405 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $7,882 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $2,579 |
CHARLES SCHWAB & CO., INC.5 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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $51,372 | $60,604-15.2% | $189,597-72.9% | $86,821-40.8% |
| Participation rate | 10.0% | 68.9%-58.9pp | 78.4%-68.5pp | 72.3%-62.3pp |
| Annual return | 13.29% | 65.19%-51.9pp | 64.20%-50.9pp | 97.94%-84.6pp |
| Employer contribution / active EE | $0 | $1,624-100.0% | $4,412-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $474 | $3,895-87.8% | $6,174-92.3% | $4,132-88.5% |
| Admin fee / account holder | $364 | $159+129.2% | $9,807-96.3% | $170+114.5% |