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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $64,717 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 16 · EIN 26-4310632 | Consulting | $39,169 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,121 | $89,093-25.8% | $102,434-35.4% | $77,736-14.9% |
| Participation rate | 54.8% | 80.9%-26.1pp | 76.5%-21.7pp | 70.6%-15.8pp |
| Annual return | 14.44% | 25.03%-10.6pp | 29.46%-15.0pp | 31.26%-16.8pp |
| Employer contribution / active EE | $1,455 | $2,699-46.1% | $3,023-51.9% | $2,728-46.7% |
| Participant deferral / active EE | $2,595 | $5,147-49.6% | $5,055-48.7% | $4,651-44.2% |
| Admin fee / account holder | $416 | $236+76.5% | $9,462-95.6% | $433-3.9% |