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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $97,211 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 22 · EIN 51-0116113 | Insurance Broker | $72,675 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $55,038 | $47,163+16.7% | $149,696-63.2% | $74,460-26.1% |
| Participation rate | 57.2% | 63.4%-6.2pp | 78.8%-21.6pp | 70.7%-13.6pp |
| Annual return | -6.01% | 22.75%-28.8pp | 134.46%-140.5pp | 34.38%-40.4pp |
| Employer contribution / active EE | $392 | $1,907-79.4% | $4,821-91.9% | $2,638-85.1% |
| Participant deferral / active EE | $3,094 | $2,730+13.3% | $5,682-45.5% | $4,530-31.7% |
| Admin fee / account holder | $364 | $343+6.1% | $13,212-97.2% | $348+4.6% |