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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY10+ years Service code 55 · EIN 26-4310632 | Other Commissions | $14,115 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 25 · EIN 04-2647786 | Directed Trustee | $4,417 |
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,789 | $125,193-42.7% | $105,591-32.0% | $145,978-50.8% |
| Participation rate | 87.5% | 77.6%+9.9pp | 75.3%+12.2pp | 80.3%+7.2pp |
| Annual return | 13.53% | 225.53%-212.0pp | 116.43%-102.9pp | 550.52%-537.0pp |
| Employer contribution / active EE | $3,625 | $3,718-2.5% | $3,166+14.5% | $4,662-22.2% |
| Participant deferral / active EE | $9,565 | $5,708+67.6% | $5,008+91.0% | $6,690+43.0% |
| Admin fee / account holder | $61 | $17,277-99.6% | $11,024-99.4% | $13,400-99.5% |