Filed November 25, 2025 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $16,856 |
Filed as: MORGAN STANLEY CAPITAL Service code 27 · EIN 11-3658445 | Advisory (Plan) | $13,214 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $130,856 | $82,917+57.8% | $103,333+26.6% | $77,643+68.5% |
| Participation rate | 45.7% | 71.6%-25.8pp | 74.5%-28.8pp | 70.6%-24.9pp |
| Annual return | 16.24% | 19.13%-2.9pp | 24.88%-8.6pp | 31.24%-15.0pp |
| Employer contribution / active EE | $2,047 | $3,552-42.4% | $3,868-47.1% | $2,726-24.9% |
| Participant deferral / active EE | $4,469 | $4,108+8.8% | $5,057-11.6% | $4,647-3.8% |
| Admin fee / account holder | $633 | $638-0.8% | $8,355-92.4% | $430+47.1% |