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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY7 years Service code 55 · EIN 26-4310632 | Other Commissions | $27,598 |
Service code 37 · EIN 04-2647786 | Loan Processing | $7,200 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $30,036 | $79,181-62.1% | $102,423-70.7% | $74,429-59.6% |
| Participation rate | 84.5% | 74.8%+9.7pp | 76.5%+8.0pp | 67.2%+17.3pp |
| Annual return | 11.02% | 54.97%-44.0pp | 29.42%-18.4pp | 1368.38%-1357.4pp |
| Employer contribution / active EE | $538 | $2,362-77.2% | $3,023-82.2% | $2,625-79.5% |
| Participant deferral / active EE | $3,236 | $4,416-26.7% | $5,054-36.0% | $4,348-25.6% |
| Admin fee / account holder | $30 | $2,002-98.5% | $9,455-99.7% | $1,944-98.5% |