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| Provider | Service type | Compensation |
|---|---|---|
NATIONWIDE6+ years Filed as: NATIOWIDE Service code 15 · EIN 31-4156830 | Recordkeeping | $59,958 |
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY SMITH BARNEY LL Service code 49 1 NEW YORK PLAZA, 12TH FL · NEW YORK, NY 10004 | Other Services | $21,534 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $31,638 | $64,286-50.8% | $90,970-65.2% | $73,412-56.9% |
| Participation rate | 32.3% | 63.6%-31.3pp | 69.0%-36.7pp | 72.2%-39.8pp |
| Annual return | 12.66% | 21.46%-8.8pp | 134.58%-121.9pp | 59.30%-46.6pp |
| Employer contribution / active EE | $119 | $895-86.7% | $2,122-94.4% | $2,234-94.7% |
| Participant deferral / active EE | $1,493 | $2,453-39.1% | $3,373-55.7% | $3,806-60.8% |
| Admin fee / account holder | $292 | $287+1.9% | $5,960-95.1% | $158+85.2% |