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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Service code 55 · EIN 26-4310632 | Other Commissions | $7,258 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,381 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,430 | $53,901+2.8% | $134,162-58.7% | $73,493-24.6% |
| Participation rate | 31.9% | 62.8%-31.0pp | 72.2%-40.3pp | 70.7%-38.8pp |
| Annual return | -0.91% | 15.82%-16.7pp | 36.35%-37.3pp | 28.51%-29.4pp |
| Employer contribution / active EE | $578 | $1,458-60.4% | $3,705-84.4% | $2,270-74.5% |
| Participant deferral / active EE | $1,194 | $2,739-56.4% | $3,500-65.9% | $3,740-68.1% |
| Admin fee / account holder | $24 | $581-95.8% | $6,685-99.6% | $513-95.3% |