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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY9 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $42,500 |
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $17,524 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $126,542 | $74,661+69.5% | $160,784-21.3% | $67,986+86.1% |
| Participation rate | 86.6% | 57.1%+29.4pp | 77.0%+9.6pp | 57.2%+29.4pp |
| Annual return | 13.78% | 28.83%-15.1pp | 1803.92%-1790.1pp | 31.67%-17.9pp |
| Employer contribution / active EE | $3,369 | $1,829+84.2% | $3,733-9.7% | $2,019+66.9% |
| Participant deferral / active EE | $8,586 | $3,681+133.3% | $6,293+36.4% | $3,358+155.7% |
| Admin fee / account holder | $197 | $3,959-95.0% | $9,717-98.0% | $3,203-93.8% |