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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $4,025 |
MORGAN STANLEY SMITH BARNEY1+ years Service code 61 HARBORSIDE FINANCIAL CTR PLAZA 2 · JERSEY CITY, NJ 07311 | Finders' fees / placement fees | $0 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $21,840 | $50,498-56.7% | $75,784-71.2% | $55,191-60.4% |
| Participation rate | 65.2% | 69.4%-4.2pp | 75.8%-10.6pp | 69.2%-4.0pp |
| Annual return | -2.25% | 1.80%-4.0pp | 9.68%-11.9pp | 10.78%-13.0pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,323-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $1,438 | $2,589-44.5% | $3,652-60.6% | $3,046-52.8% |
| Admin fee / account holder | $15 | $123-88.1% | $5,300-99.7% | $91-83.9% |