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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $19,330 |
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $5,690 |
2 funds of $250K or more; 12 lines in all, holding $1.6M of the plan's $1.6M. From the 2024 filing. Recordkeeper: Fidelity (FMR).
Target-date series: American Funds Target Date, mutual fund, 96% of fund dollars
| Fund | Dollars | % of funds% |
|---|---|---|
| American Funds Target Date Capital Group · Mutual fund Target-date, 11 vintages | $1.5M | 95.8% |
| Fidelity 500 Index Fund Fidelity (FMR) · Mutual fund IndexRecordkeeper's own fund | $24K | 1.5% |
| BNY Mellon International Stock Fund BNY · Mutual fund | $11K | 0.7% |
| Hartford Core Equity Fund Hartford Funds · Mutual fund | $9K | 0.5% |
| BlackRock Core Bond Portfolio BlackRock · Mutual fund | $7K | 0.5% |
| iShares U.S. Aggregate Bond Index Fund BlackRock · ETF Index | $5K | 0.3% |
| Artisan Developing World Fund Artisan Partners · Mutual fund | $5K | 0.3% |
| Aberdeen US Small Cap Equity I Manager not matched · Mutual fund | $4K | 0.3% |
| American Funds Inflated Linked Bond Capital Group · Mutual fund | $614 | <0.1% |
| Fidelity Government Money Market Fund Fidelity (FMR) · Money market Recordkeeper's own fund | $200 | <0.1% |
Covers 61,314 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.
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.)
Annual investment return is in the bottom quintile of the peer cohort.
The auditor signed off without reservation. This is the cleanest opinion.