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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY DW INC Service code 49 · EIN 94-1671384 | Other Services | $13,798 |
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,194 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,280 | $69,977-42.4% | $108,582-62.9% | $62,881-35.9% |
| Participation rate | 56.5% | 72.9%-16.4pp | 79.6%-23.0pp | 69.3%-12.8pp |
| Annual return | 2.24% | 10.73%-8.5pp | -51.70%+53.9pp | 20.14%-17.9pp |
| Employer contribution / active EE | $544 | $2,135-74.5% | $3,758-85.5% | $2,281-76.1% |
| Participant deferral / active EE | $2,456 | $3,165-22.4% | $4,311-43.0% | $3,203-23.3% |
| Admin fee / account holder | $33 | $5,076-99.4% | $7,645-99.6% | $4,296-99.2% |