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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Service code 55 · EIN 26-4310632 | Other Commissions | $16,452 |
Service code 37 · EIN 04-2647786 | Loan Processing | $7,763 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $34,656 | $59,186-41.4% | $76,768-54.9% | $56,287-38.4% |
| Participation rate | 54.5% | 75.2%-20.7pp | 77.0%-22.4pp | 69.9%-15.3pp |
| Annual return | -7.46% | 6.62%-14.1pp | 2.43%-9.9pp | -9.96%+2.5pp |
| Employer contribution / active EE | $948 | $1,759-46.1% | $2,485-61.8% | $2,111-55.1% |
| Participant deferral / active EE | $2,934 | $3,255-9.9% | $3,852-23.8% | $3,350-12.4% |
| Admin fee / account holder | $65 | $489-86.8% | $6,675-99.0% | $521-87.6% |