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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 39-0989781 | Recordkeeping | $57,082 |
Filed as: MORGAN STANLEY GLOBAL BANKING OPERA Service code 27 · EIN 26-4310632 | Advisory (Plan) | $41,871 |
BLACK & PINCKARD LLC2 years Service code 10 · EIN 26-0079381 | Accounting | $9,643 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $31,996 | $105,173-69.6% | $87,104-63.3% | $77,775-58.9% |
| Participation rate | 54.6% | 85.8%-31.2pp | 76.9%-22.3pp | 73.2%-18.6pp |
| Annual return | 23.78% | 24.52%-0.7pp | 28.19%-4.4pp | 32.58%-8.8pp |
| Employer contribution / active EE | $1,206 | $2,890-58.3% | $2,521-52.2% | $2,504-51.8% |
| Participant deferral / active EE | $2,466 | $5,048-51.2% | $4,048-39.1% | $3,966-37.8% |
| Admin fee / account holder | $135 | $105+28.7% | $7,491-98.2% | $100+34.5% |