Filed August 14, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $11,146 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 49 · EIN 26-4310844 | Other Services | $7,498 |
SWERDLIN & COMPANY2+ years Service code 13 | Contract Administrator | $4,781 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 60 | Sub-TA Fees | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $24,817 | $46,732-46.9% | $156,551-84.1% | $55,167-55.0% |
| Participation rate | 100.0% | 65.8%+34.2pp | 84.0%+16.0pp | 69.0%+31.0pp |
| Annual return | 3.72% | 17.72%-14.0pp | 32.23%-28.5pp | 169.23%-165.5pp |
| Employer contribution / active EE | $1,672 | $2,105-20.6% | $5,501-69.6% | $1,963-14.8% |
| Participant deferral / active EE | $3,948 | $2,204+79.1% | $4,871-19.0% | $3,054+29.3% |
| Admin fee / account holder | $217 | $418-48.1% | $13,028-98.3% | $504-56.9% |