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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 71-0294708 | Advisory (Participants) | $85,233 |
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 · EIN 06-1375177 | Other Commissions | $45,146 |
TOOLE KATZ & ROEMERSMA, LLP1+ years Service code 10 · EIN 47-1767422 | Accounting | $11,600 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,754 | $56,638+53.2% | $169,397-48.8% | $74,473+16.5% |
| Participation rate | 64.1% | 67.5%-3.4pp | 77.2%-13.1pp | 70.7%-6.7pp |
| Annual return | 17.41% | 24.75%-7.3pp | 406.23%-388.8pp | 34.36%-17.0pp |
| Employer contribution / active EE | $1,175 | $2,027-42.0% | $4,013-70.7% | $2,638-55.5% |
| Participant deferral / active EE | $3,530 | $4,223-16.4% | $6,223-43.3% | $4,530-22.1% |
| Admin fee / account holder | $299 | $307-2.4% | $9,017-96.7% | $347-13.8% |