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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $107,616 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 22 · EIN 51-0116113 | Insurance Broker | $77,870 |
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.
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 | $61,776 | $50,860+21.5% | $155,574-60.3% | $77,714-20.5% |
| Participation rate | 57.1% | 63.1%-6.0pp | 78.2%-21.1pp | 70.6%-13.5pp |
| Annual return | 10.06% | 34.86%-24.8pp | 64.87%-54.8pp | 31.26%-21.2pp |
| Employer contribution / active EE | $399 | $1,991-79.9% | $4,676-91.5% | $2,727-85.4% |
| Participant deferral / active EE | $3,275 | $2,825+16.0% | $5,629-41.8% | $4,649-29.5% |
| Admin fee / account holder | $397 | $436-9.0% | $15,914-97.5% | $433-8.3% |