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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 27 · EIN 36-3145972 | Advisory (Plan) | $33,045 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 15 · EIN 84-0467907 | Recordkeeping | $24,974 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 26 · EIN 84-1532243 | Advisory (Participants) | $7,252 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $193,442 | $95,904+101.7% | $173,730+11.3% | $64,340+200.7% |
| Participation rate | 95.7% | 60.6%+35.1pp | 79.6%+16.2pp | 55.2%+40.5pp |
| Annual return | 14.68% | 17.47%-2.8pp | 19.96%-5.3pp | 24.14%-9.5pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $4,577-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $10,135 | $3,488+190.6% | $6,326+60.2% | $2,980+240.1% |
| Admin fee / account holder | $346 | $5,089-93.2% | $17,523-98.0% | $3,703-90.7% |