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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY6 years Service code 55 · EIN 26-4310632 | Other Commissions | $24,733 |
Service code 37 · EIN 04-2647786 | Loan Processing | $3,150 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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.
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 | $35,142 | $76,107-53.8% | $96,576-63.6% | $71,495-50.8% |
| Participation rate | 69.5% | 74.4%-4.9pp | 76.0%-6.4pp | 67.9%+1.6pp |
| Annual return | 14.56% | 22.81%-8.3pp | 25.87%-11.3pp | 28.85%-14.3pp |
| Employer contribution / active EE | $576 | $2,247-74.4% | $2,965-80.6% | $2,589-77.8% |
| Participant deferral / active EE | $3,137 | $4,218-25.6% | $4,851-35.3% | $4,291-26.9% |
| Admin fee / account holder | $15 | $2,708-99.4% | $8,253-99.8% | $1,588-99.0% |