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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY10+ years Service code 55 · EIN 26-4310632 | Other Commissions | $34,333 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 60 · EIN 04-2647786 | Sub-TA Fees | $525 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,135 | $89,123-70.7% | $102,460-74.5% | $77,762-66.4% |
| Participation rate | 97.6% | 80.9%+16.7pp | 76.5%+21.1pp | 70.6%+27.0pp |
| Annual return | 12.50% | 25.05%-12.5pp | 29.47%-17.0pp | 31.27%-18.8pp |
| Employer contribution / active EE | $1,232 | $2,700-54.4% | $3,025-59.3% | $2,728-54.9% |
| Participant deferral / active EE | $2,624 | $5,148-49.0% | $5,056-48.1% | $4,651-43.6% |
| Admin fee / account holder | $1 | $236-99.6% | $9,460-100.0% | $433-99.8% |