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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Service code 55 · EIN 26-4310632 | Other Commissions | $14,157 |
Service code 37 · EIN 04-2647786 | Loan Processing | $925 |
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).
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 | $27,064 | $78,428-65.5% | $95,960-71.8% | $79,852-66.1% |
| Participation rate | 87.4% | 73.5%+13.9pp | 77.1%+10.3pp | 69.6%+17.7pp |
| Annual return | 11.08% | 19.37%-8.3pp | 91.63%-80.6pp | 31.72%-20.6pp |
| Employer contribution / active EE | $1,040 | $1,945-46.5% | $2,541-59.1% | $2,471-57.9% |
| Participant deferral / active EE | $2,587 | $3,440-24.8% | $4,167-37.9% | $3,740-30.8% |
| Admin fee / account holder | $6 | $5,622-99.9% | $6,797-99.9% | $5,306-99.9% |