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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $128,279 |
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 22 · EIN 51-0116113 | Insurance Broker | $93,136 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,454 | $38,165+87.2% | $189,758-62.3% | $69,255+3.2% |
| Participation rate | 61.8% | 66.7%-4.9pp | 79.8%-18.0pp | 69.0%-7.2pp |
| Annual return | 15.86% | 14.65%+1.2pp | 52.62%-36.8pp | 26.73%-10.9pp |
| Employer contribution / active EE | $383 | $1,589-75.9% | $4,767-92.0% | $2,645-85.5% |
| Participant deferral / active EE | $3,460 | $2,073+66.9% | $5,856-40.9% | $2,890+19.7% |
| Admin fee / account holder | $460 | $714-35.6% | $20,388-97.7% | $733-37.2% |