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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 27 · EIN 26-4310632 | Advisory (Plan) | $62,287 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $51,679 |
THE BENEFIT PRACTICE5 years Service code 50 · EIN 13-4144565 | Direct Payment | $9,800 |
Filed as: BORIS BENIC AND ASSOCIATS LLP Service code 10 · EIN 54-2190047 | Accounting | $5,408 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $251,136 | $84,936+195.7% | $111,308+125.6% | $79,391+216.3% |
| Participation rate | 78.8% | 75.9%+2.9pp | 77.3%+1.4pp | 70.7%+8.1pp |
| Annual return | 13.58% | 17.45%-3.9pp | 54.67%-41.1pp | 116.88%-103.3pp |
| Employer contribution / active EE | $5,324 | $1,979+169.0% | $2,732+94.9% | $2,428+119.3% |
| Participant deferral / active EE | $9,839 | $3,888+153.1% | $4,487+119.3% | $4,046+143.2% |
| Admin fee / account holder | $378 | $537-29.7% | $7,965-95.3% | $627-39.7% |