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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 27 1300 THAMES ST WHARF 4TH · BALTIMORE, MD 21231 | Advisory (Plan) | $70,743 |
AMERICAN FUNDS3 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $14,193 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $188,302 | $104,497+80.2% | $159,487+18.1% | $79,389+137.2% |
| Participation rate | 100.0% | 76.6%+23.4pp | 82.8%+17.2pp | 70.7%+29.3pp |
| Annual return | 13.09% | 67.98%-54.9pp | 263.71%-250.6pp | 116.89%-103.8pp |
| Employer contribution / active EE | $3,409 | $3,418-0.2% | $4,831-29.4% | $2,428+40.4% |
| Participant deferral / active EE | $8,198 | $6,468+26.7% | $7,354+11.5% | $4,046+102.6% |
| Admin fee / account holder | $496 | $711-30.3% | $10,804-95.4% | $626-20.9% |