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| Provider | Service type | Compensation |
|---|---|---|
GRANT THORNTON LLP2+ years Filed as: GRANT THORNTON Service code 34 · EIN 36-6055558 | Consulting fees; Valuation (appraisal... | $14,840 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN LEWIS & BOCKIUS Service code 25 · EIN 23-0891050 | Directed Trustee | $10,112 |
Filed as: PRINCIPAL FINANCIAL Service code 13 · EIN 42-0127290 | Contract Administrator | $9,360 |
MORGAN LEWIS AND BOCKIU1 year Service code 29 · EIN 62-6310043 | Legal | $5,000 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
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 | $12,000 | $135,956-91.2% | $123,894-90.3% | $273,972-95.6% |
| Participation rate | 0.0% | 84.1%-84.1pp | 81.4%-81.4pp | 83.0%-83.0pp |
| Annual return | 63.79% | 56.63%+7.2pp | 47.52%+16.3pp | 41.46%+22.3pp |
| Employer contribution / active EE | $0 | $5,170-100.0% | $4,617-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $0 | $6,343-100.0% | $5,984-100.0% | $5,287-100.0% |
| Admin fee / account holder | $638 | $9,817-93.5% | $8,357-92.4% | $10,133-93.7% |