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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL BANKING OPER Service code 26 · EIN 26-4310632 | Advisory (Participants) | $55,437 |
Service code 37 · EIN 04-2647786 | Loan Processing | $29,354 |
STRATEGIC ADVISORS, INC.3 years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $13,113 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $112,687 | $66,813+68.7% | $100,528+12.1% | $73,493+53.3% |
| Participation rate | 44.9% | 77.5%-32.6pp | 79.4%-34.5pp | 70.7%-25.8pp |
| Annual return | 20.26% | 25.70%-5.4pp | 30.90%-10.6pp | 28.51%-8.3pp |
| Employer contribution / active EE | $2 | $2,147-99.9% | $3,419-99.9% | $2,270-99.9% |
| Participant deferral / active EE | $4,664 | $5,883-20.7% | $6,271-25.6% | $3,740+24.7% |
| Admin fee / account holder | $304 | $512-40.6% | $8,084-96.2% | $513-40.7% |