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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Service code 26 · EIN 20-8764829 | Advisory (Participants) | $77,500 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANELY GLOBAL BANKING OPER. Service code 26 · EIN 26-4310632 | Advisory (Participants) | $17,718 |
Filed as: FIDELITY INVESTMENTS Service code 37 · EIN 04-2647786 | Loan Processing | $3,762 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $246,086 | $79,694+208.8% | $96,161+155.9% | $79,393+210.0% |
| Participation rate | 100.0% | 54.0%+46.0pp | 68.4%+31.6pp | 70.7%+29.3pp |
| Annual return | 21.17% | 40.84%-19.7pp | 192.01%-170.8pp | 116.87%-95.7pp |
| Employer contribution / active EE | $18,982 | $1,443+1215.2% | $2,798+578.4% | $2,428+681.9% |
| Participant deferral / active EE | $16,842 | $2,539+563.4% | $4,349+287.2% | $4,046+316.3% |
| Admin fee / account holder | $400 | $630-36.5% | $5,538-92.8% | $627-36.1% |