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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $56,684 |
Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 49 · EIN 51-0116113 | Other Services | $35,494 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $184,805 | $77,677+137.9% | $109,188+69.3% | $79,389+132.8% |
| Participation rate | 88.0% | 67.8%+20.2pp | 75.9%+12.1pp | 70.7%+17.3pp |
| Annual return | 19.97% | 23.44%-3.5pp | 25.76%-5.8pp | 116.89%-96.9pp |
| Employer contribution / active EE | $6,174 | $2,798+120.7% | $3,723+65.8% | $2,428+154.3% |
| Participant deferral / active EE | $4,981 | $3,517+41.6% | $4,654+7.0% | $4,046+23.1% |
| Admin fee / account holder | $476 | $732-35.0% | $6,755-92.9% | $626-24.0% |