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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY11+ years Service code 15 · EIN 20-8764829 | Recordkeeping | $39,284 |
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $7,669 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,023 | $51,096+66.4% | $100,712-15.6% | $71,012+19.7% |
| Participation rate | 49.7% | 47.0%+2.7pp | 69.3%-19.6pp | 58.6%-8.9pp |
| Annual return | 15.16% | 16.42%-1.3pp | 33.27%-18.1pp | 37.67%-22.5pp |
| Employer contribution / active EE | $1,246 | $1,127+10.6% | $2,313-46.1% | $2,348-46.9% |
| Participant deferral / active EE | $3,699 | $1,937+90.9% | $4,085-9.5% | $3,246+13.9% |
| Admin fee / account holder | $326 | $2,179-85.0% | $9,256-96.5% | $1,167-72.0% |