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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY8+ years Service code 55 · EIN 26-4310632 | Other Commissions | $26,002 |
Service code 37 · EIN 04-2647786 | Loan Processing | $4,412 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,463 | $106,236-77.0% | $112,270-78.2% | $64,829-62.3% |
| Participation rate | 66.2% | 71.7%-5.5pp | 75.1%-8.8pp | 71.5%-5.3pp |
| Annual return | -15.62% | -6.02%-9.6pp | 27.49%-43.1pp | 32.85%-48.5pp |
| Employer contribution / active EE | $0 | $3,167-100.0% | $3,635-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $2,113 | $3,786-44.2% | $4,729-55.3% | $4,312-51.0% |
| Admin fee / account holder | $11 | $452-97.6% | $6,411-99.8% | $188-94.2% |