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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY8+ years Service code 27 · EIN 26-4310632 | Advisory (Plan) | $14,210 |
Service code 15 · EIN 36-4389114 | Recordkeeping | $10,411 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $2,277 |
CHARLES SCHWAB & CO., INC.6 years Service code 18 · EIN 94-1737782 | Custodial (other than securities); Sh... | $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.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,653 | $50,458-21.4% | $160,037-75.2% | $64,824-38.8% |
| Participation rate | 10.8% | 68.0%-57.3pp | 78.0%-67.2pp | 71.5%-60.7pp |
| Annual return | -20.79% | -13.42%-7.4pp | 408.95%-429.7pp | 32.84%-53.6pp |
| Employer contribution / active EE | $0 | $1,722-100.0% | $4,226-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $602 | $4,004-85.0% | $6,184-90.3% | $4,311-86.0% |
| Admin fee / account holder | $324 | $706-54.1% | $8,716-96.3% | $188+72.5% |