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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $65,805 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY INS SERVICES INC. Service code 53 · EIN 51-0116113 | Insurance Commissions | $37,073 |
AZALEA ADMINISTRATION LLC3 years Filed as: AZALEA ADMINISTRATION Service code 13 · EIN 27-0711617 | Contract Administrator | $4,734 |
AZALEA ADMINISTRATION LLC3 years Filed as: AZALEA ADMINISTRATION, LLC Service code 13 | Contract Administrator | $750 |
Service code 50 · EIN 11-3271022 | Direct Payment | $250 |
AMERICAN CENTURY4 years Service code 52 · EIN 43-1646043 | Indirect Investment Fees | $0 |
AMERICAN FUNDS4 years Service code 52 · EIN 95-1411037 | Indirect Investment Fees | $0 |
BLACKROCK4 years Service code 52 · EIN 51-0318674 | Indirect Investment Fees | $0 |
DELAWARE INVESTMENTS4 years Service code 52 · EIN 23-2651520 | Indirect Investment Fees | $0 |
Service code 28 · EIN 61-1732930 | Investment Management | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $78,979 | $69,383+13.8% | $101,271-22.0% | $73,493+7.5% |
| Participation rate | 92.1% | 68.4%+23.7pp | 75.8%+16.3pp | 70.7%+21.4pp |
| Annual return | 16.13% | 18.46%-2.3pp | 46.48%-30.3pp | 28.51%-12.4pp |
| Employer contribution / active EE | $2,991 | $2,628+13.8% | $3,660-18.3% | $2,270+31.8% |
| Participant deferral / active EE | $5,040 | $3,301+52.7% | $4,371+15.3% | $3,740+34.8% |
| Admin fee / account holder | $475 | $704-32.5% | $5,948-92.0% | $513-7.4% |