Filed November 25, 2025 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5 years Service code 15 · EIN 20-8764829 | Recordkeeping | $35,923 |
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $27,000 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $82,619 | $64,119+28.9% | $112,228-26.4% | $66,914+23.5% |
| Participation rate | 50.0% | 68.5%-18.5pp | 75.1%-25.1pp | 69.8%-19.8pp |
| Annual return | -20.39% | -13.81%-6.6pp | 27.45%-47.8pp | 1.58%-22.0pp |
| Employer contribution / active EE | $1,049 | $3,005-65.1% | $3,635-71.2% | $2,544-58.8% |
| Participant deferral / active EE | $4,285 | $3,693+16.0% | $4,728-9.4% | $4,237+1.1% |
| Admin fee / account holder | $443 | $625-29.1% | $6,410-93.1% | $593-25.3% |