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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY7+ years Service code 55 · EIN 26-4310632 | Other Commissions | $79,606 |
Service code 37 · EIN 04-2647786 | Loan Processing | $3,850 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $51,028 | $82,163-37.9% | $125,358-59.3% | $64,811-21.3% |
| Participation rate | 59.2% | 77.9%-18.7pp | 82.4%-23.2pp | 71.5%-12.3pp |
| Annual return | 4.72% | 3.49%+1.2pp | 572.03%-567.3pp | 32.83%-28.1pp |
| Employer contribution / active EE | $1,188 | $3,616-67.1% | $4,814-75.3% | $2,506-52.6% |
| Participant deferral / active EE | $2,829 | $7,175-60.6% | $7,447-62.0% | $4,310-34.4% |
| Admin fee / account holder | $6 | $163-96.3% | $10,007-99.9% | $188-96.8% |