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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4+ years Service code 55 · EIN 26-4310632 | Other Commissions | $45,347 |
Service code 37 · EIN 04-2647786 | Loan Processing | $2,981 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $40,368 | $35,485+13.8% | $74,552-45.9% | $55,725-27.6% |
| Participation rate | 74.5% | 62.5%+12.0pp | 69.1%+5.4pp | 70.9%+3.7pp |
| Annual return | -6.24% | 0.72%-7.0pp | 32.53%-38.8pp | 244.93%-251.2pp |
| Employer contribution / active EE | $0 | $777-100.0% | $1,961-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $3,147 | $2,181+44.3% | $3,108+1.2% | $3,356-6.2% |
| Admin fee / account holder | $6 | $114-94.5% | $5,060-99.9% | $115-94.5% |