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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 26 · EIN 26-4310632 55 E 52 ND STREET · NEW YORK, NY 10055 | Advisory (Participants) | $0 |
WILMINGTON TRUST4+ years Filed as: WILMINGTON TRUST FIDUCIARY SVCS CO Service code 15 · EIN 26-3523944 902 CARNEGIE CENTER, SUITE 460 · PRINCETON, NJ 08540 | Recordkeeping | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $446,983 | $77,817+474.4% | $123,553+261.8% | $64,173+596.5% |
| Participation rate | 97.5% | 74.7%+22.8pp | 82.3%+15.2pp | 69.6%+28.0pp |
| Annual return | -6.40% | 12.49%-18.9pp | 119.21%-125.6pp | 7.63%-14.0pp |
| Employer contribution / active EE | $14,712 | $3,014+388.1% | $4,628+217.9% | $2,381+518.0% |
| Participant deferral / active EE | $10,846 | $5,240+107.0% | $6,426+68.8% | $3,470+212.6% |
| Admin fee / account holder | $1,625 | $5,519-70.6% | $9,284-82.5% | $4,887-66.8% |