Filed March 23, 2001
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY6 years Filed as: MORGAN STANLEY SMITH BARNEY, LLC Service code 26 1300 THAMES STREET WHARF · BALTIMORE, MD 21231 | Advisory (Participants) | $16,427 |
NWPS3 years Service code 37 · EIN 91-2090931 300 E. JOPPA ROAD, SUITE 601 · TOWSON, MD 21286 | Loan Processing | $14,513 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,500 | $102,661-26.5% | $151,634-50.2% | $66,954+12.8% |
| Participation rate | 69.7% | 85.5%-15.8pp | 87.5%-17.8pp | 69.8%-0.1pp |
| Annual return | -18.10% | -10.81%-7.3pp | 3.32%-21.4pp | 1.57%-19.7pp |
| Employer contribution / active EE | $24 | $4,184-99.4% | $6,165-99.6% | $2,545-99.1% |
| Participant deferral / active EE | $3,010 | $6,645-54.7% | $8,363-64.0% | $4,239-29.0% |
| Admin fee / account holder | $356 | $630-43.6% | $11,614-96.9% | $594-40.1% |