Filed November 25, 2025 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY6 years Service code 15 · EIN 20-8764829 | Recordkeeping | $37,739 |
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $28,612 |
WITHUMSMITH+BROWN, PC9+ years Filed as: BROWN, EDWARDS & COMPANY, LLP. Service code 15 · EIN 54-0504608 | Recordkeeping | $13,000 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,366 | $76,696+27.0% | $96,515+0.9% | $71,511+36.2% |
| Participation rate | 53.2% | 66.6%-13.4pp | 74.3%-21.2pp | 67.9%-14.8pp |
| Annual return | 19.80% | 48.32%-28.5pp | 35.73%-15.9pp | 28.86%-9.1pp |
| Employer contribution / active EE | $1,168 | $3,032-61.5% | $3,740-68.8% | $2,589-54.9% |
| Participant deferral / active EE | $4,792 | $3,770+27.1% | $4,880-1.8% | $4,291+11.7% |
| Admin fee / account holder | $443 | $2,030-78.2% | $6,735-93.4% | $1,588-72.1% |