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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY Service code 49 · EIN 26-4310632 | Other Services | $21,760 |
PRINCIPAL LIFE INSURANCE COMPANY9+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $16,174 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $96,115 | $93,598+2.7% | $135,974-29.3% | $75,173+27.9% |
| Participation rate | 55.0% | 75.2%-20.2pp | 81.9%-26.9pp | 67.2%-12.2pp |
| Annual return | 19.52% | 30.89%-11.4pp | 68.30%-48.8pp | 160.72%-141.2pp |
| Employer contribution / active EE | $437 | $3,538-87.7% | $4,859-91.0% | $2,671-83.6% |
| Participant deferral / active EE | $9,515 | $6,405+48.5% | $7,760+22.6% | $4,126+130.6% |
| Admin fee / account holder | $169 | $6,978-97.6% | $10,767-98.4% | $5,651-97.0% |