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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4+ years Service code 55 · EIN 26-4310632 | Other Commissions | $19,816 |
Service code 37 · EIN 04-2647786 | Loan Processing | $4,475 |
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.
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 | $21,983 | $56,443-61.1% | $83,831-73.8% | $55,727-60.6% |
| Participation rate | 65.4% | 72.0%-6.6pp | 76.1%-10.7pp | 70.9%-5.4pp |
| Annual return | -6.21% | 393.67%-399.9pp | 850.99%-857.2pp | 244.94%-251.2pp |
| Employer contribution / active EE | $0 | $2,682-100.0% | $3,631-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $1,607 | $2,965-45.8% | $4,082-60.6% | $3,356-52.1% |
| Admin fee / account holder | $14 | $156-91.1% | $5,479-99.7% | $115-87.9% |