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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,825 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: J P MORGAN SECURITIES LLC Service code 61 1111 POLARIS PKWY STE 2A · COLUMBUS, OH 43240 | Finders' fees / placement fees | $0 |
Service code 61 · EIN 13-2638166 | Finders' fees / placement fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $36,186 | $42,546-15.0% | $71,796-49.6% | $55,167-34.4% |
| Participation rate | 35.1% | 59.1%-24.0pp | 69.1%-34.0pp | 69.0%-33.9pp |
| Annual return | 7.20% | 12.36%-5.2pp | 78.04%-70.8pp | 169.23%-162.0pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,758 | $2,064-14.8% | $2,794-37.1% | $3,054-42.4% |
| Admin fee / account holder | $21 | $650-96.8% | $4,815-99.6% | $504-95.9% |