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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY9+ years Service code 55 · EIN 26-4310632 | Other Commissions | $82,907 |
APRIO LLP1 year Filed as: APRIO, LLP Service code 10 · EIN 37-1611326 | Accounting | $15,225 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$18,384 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,908 | $106,264-45.5% | $147,117-60.6% | $77,762-25.5% |
| Participation rate | 68.6% | 78.4%-9.8pp | 82.2%-13.6pp | 70.6%-2.0pp |
| Annual return | 11.78% | 56.94%-45.2pp | 420.54%-408.8pp | 31.27%-19.5pp |
| Employer contribution / active EE | $1,466 | $4,074-64.0% | $4,932-70.3% | $2,728-46.3% |
| Participant deferral / active EE | $3,337 | $8,003-58.3% | $8,065-58.6% | $4,651-28.2% |
| Admin fee / account holder | -$5 | $334-101.6% | $12,993-100.0% | $433-101.2% |