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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Service code 26 · EIN 20-8764829 | Advisory (Participants) | $81,675 |
Service code 37 · EIN 04-2647786 | Loan Processing | $40,121 |
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 | $209,959 | $37,463+460.4% | $77,096+172.3% | $66,938+213.7% |
| Participation rate | 100.0% | 52.9%+47.1pp | 67.9%+32.1pp | 69.8%+30.2pp |
| Annual return | -17.50% | -3.25%-14.3pp | 42.35%-59.8pp | 1.58%-19.1pp |
| Employer contribution / active EE | $22,600 | $1,535+1372.4% | $2,814+703.0% | $2,545+788.0% |
| Participant deferral / active EE | $17,110 | $2,621+552.7% | $4,429+286.3% | $4,238+303.7% |
| Admin fee / account holder | $451 | $568-20.7% | $5,428-91.7% | $594-24.1% |