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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC1 year Service code 15 · EIN 11-3665754 | Recordkeeping | $5,490 |
Filed as: MORGAN STANLEY GLOBAL Service code 27 1300 THAMES STREET WHARF · BALTIMORE, MD 21231 | Advisory (Plan) | $1,284 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,028 | $52,293-94.2% | $178,503-98.3% | $73,412-95.9% |
| Participation rate | 50.6% | 65.3%-14.8pp | 81.9%-31.4pp | 72.2%-21.6pp |
| Annual return | 61.96% | 34.75%+27.2pp | 151.12%-89.2pp | 59.30%+2.7pp |
| Employer contribution / active EE | $413 | $1,736-76.2% | $5,011-91.8% | $2,234-81.5% |
| Participant deferral / active EE | $725 | $2,333-68.9% | $5,202-86.1% | $3,806-81.0% |
| Admin fee / account holder | $23 | $127-82.1% | $13,987-99.8% | $158-85.6% |