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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 | $125,184-42.7% | $105,607-32.0% | $145,884-50.8% |
| Participation rate | 87.5% | 77.6%+9.9pp | 75.3%+12.2pp | 80.3%+7.2pp |
| Annual return | 13.53% | 225.00%-211.5pp | 116.11%-102.6pp | 551.85%-538.3pp |
| Employer contribution / active EE | $3,625 | $3,720-2.5% | $3,167+14.5% | $4,662-22.2% |
| Participant deferral / active EE | $9,565 | $5,714+67.4% | $5,011+90.9% | $6,690+43.0% |
| Admin fee / account holder | $61 | $17,133-99.6% | $10,958-99.4% | $13,392-99.5% |