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| Provider | Service type | Compensation |
|---|---|---|
NEWPORT GROUP, INC.6 years Service code 15 · EIN 27-2037969 | Recordkeeping | $55,123 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL Service code 27 1300 THAMES STREET WHARF · BALTIMORE, MD 21231 | Advisory (Plan) | $25,282 |
Filed as: MORGAN STANLEY Service code 27 · EIN 26-4310632 | Advisory (Plan) | $24,666 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.)
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 | $158,786 | $89,093+78.2% | $102,434+55.0% | $77,736+104.3% |
| Participation rate | 59.4% | 80.9%-21.5pp | 76.5%-17.1pp | 70.6%-11.2pp |
| Annual return | 17.39% | 25.03%-7.6pp | 29.46%-12.1pp | 31.26%-13.9pp |
| Employer contribution / active EE | $952 | $2,699-64.7% | $3,023-68.5% | $2,728-65.1% |
| Participant deferral / active EE | $2,544 | $5,147-50.6% | $5,055-49.7% | $4,651-45.3% |
| Admin fee / account holder | $489 | $236+107.2% | $9,462-94.8% | $433+12.8% |