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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 84-0467907 | Recordkeeping Fees | $31,147 |
MORGAN STANLEY SMITH BARNEY6+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 · EIN 26-4310632 | Other Commissions | $18,188 |
Filed as: ADVISED ASSETS GROUP, LLC Service code 28 · EIN 84-1532243 | Investment Management | $10,779 |
LOREN D. STARK COMPANY6+ years Service code 13 · EIN 74-1537058 | Contract Administrator | $7,497 |
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 55 · EIN 51-0116113 | Other Commissions | $2,361 |
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $52,297 | $73,638-29.0% | $95,960-45.5% | $73,493-28.8% |
| Participation rate | 72.0% | 76.2%-4.2pp | 77.1%-5.1pp | 70.7%+1.3pp |
| Annual return | 11.82% | 16.78%-5.0pp | 91.63%-79.8pp | 28.51%-16.7pp |
| Employer contribution / active EE | $1,106 | $1,863-40.6% | $2,541-56.5% | $2,270-51.3% |
| Participant deferral / active EE | $2,997 | $3,617-17.1% | $4,167-28.1% | $3,740-19.9% |
| Admin fee / account holder | $280 | $482-41.9% | $6,797-95.9% | $513-45.5% |