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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY9 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $77,596 |
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $54,055 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,372 | $146,267-45.7% | $197,124-59.7% | $82,448-3.7% |
| Participation rate | 82.8% | 84.0%-1.3pp | 86.7%-4.0pp | 68.1%+14.7pp |
| Annual return | 14.77% | 29.61%-14.8pp | 44.34%-29.6pp | 41.64%-26.9pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $76,472 | $7,035+987.1% | $9,135+737.2% | $4,139+1747.5% |
| Admin fee / account holder | $348 | $14,422-97.6% | $16,298-97.9% | $7,234-95.2% |