Filed November 25, 2025 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Service code 15 · EIN 20-8764829 | Recordkeeping | $28,093 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $24,366 |
Service code 37 · EIN 36-3429599 | Loan Processing | $0 |
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).
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 | $86,310 | $91,517-5.7% | $101,271-14.8% | $73,412+17.6% |
| Participation rate | 45.4% | 73.8%-28.4pp | 75.8%-30.5pp | 72.2%-26.8pp |
| Annual return | 18.14% | 17.17%+1.0pp | 46.48%-28.3pp | 59.30%-41.2pp |
| Employer contribution / active EE | $645 | $2,877-77.6% | $3,660-82.4% | $2,234-71.1% |
| Participant deferral / active EE | $2,855 | $3,338-14.5% | $4,371-34.7% | $3,806-25.0% |
| Admin fee / account holder | $371 | $216+71.7% | $5,948-93.8% | $158+134.7% |