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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY10+ years Service code 55 · EIN 26-4310632 | Other Commissions | $30,679 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $7,250 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $23,136 | $83,023-72.1% | $102,437-77.4% | $77,762-70.2% |
| Participation rate | 69.3% | 71.5%-2.2pp | 74.5%-5.2pp | 70.6%-1.3pp |
| Annual return | 11.98% | 19.12%-7.1pp | 24.95%-13.0pp | 31.27%-19.3pp |
| Employer contribution / active EE | $0 | $3,552-100.0% | $3,871-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,233 | $4,110-45.7% | $5,060-55.9% | $4,651-52.0% |
| Admin fee / account holder | $12 | $639-98.2% | $8,388-99.9% | $433-97.3% |