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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY Service code 19 · EIN 20-8764829 | Securities Custodian | $224,127 |
Filed as: MERRILL LYNCH Service code 19 · EIN 13-5674085 | Securities Custodian | $37,712 |
Filed as: ROYAL ALLIANCE Service code 19 10 EXCHANGE PLACE · JERSEY CITY, NJ 07302 | Securities Custodian | $7,065 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $199,816 | $61,166+226.7% | $185,849+7.5% | $79,391+151.7% |
| Participation rate | 100.0% | 66.6%+33.4pp | 81.7%+18.3pp | 70.7%+29.3pp |
| Annual return | 13.96% | 19.45%-5.5pp | 122.10%-108.1pp | 116.88%-102.9pp |
| Employer contribution / active EE | $7,443 | $2,321+220.7% | $5,169+44.0% | $2,428+206.6% |
| Participant deferral / active EE | $4,726 | $2,789+69.5% | $5,569-15.1% | $4,046+16.8% |
| Admin fee / account holder | $1,486 | $710+109.3% | $16,244-90.9% | $627+137.1% |