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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 15 · EIN 26-4310632 | Recordkeeping | $19,303 |
ADP BROKER-DEALER3+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $6,372 |
ADP BROKER-DEALER3+ years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $9,942 | $43,717-77.3% | $81,473-87.8% | $77,958-87.2% |
| Participation rate | 12.0% | 42.5%-30.5pp | 68.0%-55.9pp | 71.6%-59.6pp |
| Annual return | 22.41% | 23.83%-1.4pp | 38.78%-16.4pp | 20.87%+1.5pp |
| Employer contribution / active EE | $95 | $919-89.7% | $2,568-96.3% | $2,310-95.9% |
| Participant deferral / active EE | $499 | $1,783-72.0% | $3,537-85.9% | $3,537-85.9% |
| Admin fee / account holder | $52 | $108-52.2% | $4,561-98.9% | $97-47.0% |