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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $54,484 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: SBHU/MORGAN STANLEY SMITH BARNEY Service code 22 · EIN 13-2896238 | Insurance Broker | $23,279 |
ASCENSUS LLC2 years Filed as: FUTUREPLAN BY ASCENSUS, LLC Service code 15 · EIN 82-3719843 | Recordkeeping | $16,531 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $53,794 | $104,479-48.5% | $159,474-66.3% | $79,391-32.2% |
| Participation rate | 58.6% | 76.6%-18.1pp | 82.8%-24.3pp | 70.7%-12.2pp |
| Annual return | 12.56% | 67.98%-55.4pp | 263.68%-251.1pp | 116.88%-104.3pp |
| Employer contribution / active EE | $1,968 | $3,417-42.4% | $4,831-59.3% | $2,428-19.0% |
| Participant deferral / active EE | $3,605 | $6,468-44.3% | $7,353-51.0% | $4,046-10.9% |
| Admin fee / account holder | $425 | $711-40.2% | $10,802-96.1% | $627-32.1% |