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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY9+ years Filed as: MORGAN STANLEY GRAYSTONE CONSULTING Service code 19 · EIN 39-3707380 | Securities Custodian | $50,559 |
Filed as: ONEAMERICA RETIREMENT SERVICES Service code 19 · EIN 46-5378846 | Securities Custodian | $35,929 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported that benefits due were not provided when due.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $268,970 | $102,382+162.7% | $147,005+83.0% | $80,874+232.6% |
| Participation rate | 98.7% | 75.8%+22.9pp | 82.2%+16.6pp | 67.6%+31.1pp |
| Annual return | 19.62% | 134.89%-115.3pp | 418.76%-399.1pp | 35.62%-16.0pp |
| Employer contribution / active EE | $7,389 | $3,715+98.9% | $4,934+49.8% | $2,756+168.2% |
| Participant deferral / active EE | $9,740 | $6,646+46.5% | $8,070+20.7% | $4,297+126.7% |
| Admin fee / account holder | $765 | $7,942-90.4% | $13,006-94.1% | $6,935-89.0% |