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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 1300 THAMES STREET · BALTIMORE, MD 21231 | Advisory (Participants) | $108,116 |
STRATEGIC ADVISORS, INC.1+ years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $50,739 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$7,865 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $47,714 | $102,389-53.4% | $100,540-52.5% | $90,274-47.1% |
| Participation rate | 90.0% | 84.0%+6.0pp | 79.4%+10.6pp | 73.4%+16.7pp |
| Annual return | 79.67% | 22.50%+57.2pp | 30.90%+48.8pp | 53.97%+25.7pp |
| Employer contribution / active EE | $1,449 | $3,056-52.6% | $3,419-57.6% | $2,523-42.6% |
| Participant deferral / active EE | $7,429 | $7,514-1.1% | $6,272+18.4% | $4,231+75.6% |
| Admin fee / account holder | $44 | $83-47.6% | $8,082-99.5% | $114-61.8% |