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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 51-0383217 1407 FOULK ROAD · WILMINGTON, DE 19803 | Recordkeeping | $2,636 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 15 · EIN 04-1590850 | Recordkeeping | $1,828 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $385 |
Filed as: WILSHIRE ASSOCIATES, INC. (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $261 |
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY INS SVCS INC Service code 17 · EIN 51-0116113 | Pension Consulting | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $107,825 | $54,573+97.6% | $90,970+18.5% | $73,497+46.7% |
| Participation rate | 50.7% | 61.2%-10.5pp | 69.0%-18.3pp | 70.7%-20.0pp |
| Annual return | 14.97% | 16.69%-1.7pp | 134.60%-119.6pp | 28.51%-13.5pp |
| Employer contribution / active EE | $146 | $991-85.3% | $2,122-93.1% | $2,270-93.6% |
| Participant deferral / active EE | $2,730 | $2,517+8.5% | $3,373-19.1% | $3,740-27.0% |
| Admin fee / account holder | $34 | $521-93.4% | $5,961-99.4% | $513-93.3% |