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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5 years Service code 55 · EIN 26-4310632 | Other Commissions | $18,557 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,600 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $28,386 | $65,453-56.6% | $86,698-67.3% | $66,938-57.6% |
| Participation rate | 71.5% | 75.5%-3.9pp | 76.6%-5.1pp | 69.8%+1.7pp |
| Annual return | 25.42% | -10.89%+36.3pp | 35.95%-10.5pp | 1.58%+23.8pp |
| Employer contribution / active EE | $911 | $2,154-57.7% | $2,837-67.9% | $2,545-64.2% |
| Participant deferral / active EE | $2,770 | $4,102-32.5% | $4,656-40.5% | $4,238-34.6% |
| Admin fee / account holder | $8 | $642-98.8% | $7,493-99.9% | $594-98.7% |