Filed October 30, 2025 (most recent of 3 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL BANKING OPS Service code 10 · EIN 26-4310632 | Accounting | $138,060 |
WELLS FARGO BANK, N.A.4+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $123,760 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,126 | $107,440-32.9% | $105,736-31.8% | $55,725+29.4% |
| Participation rate | 64.2% | 55.5%+8.7pp | 76.3%-12.1pp | 70.9%-6.6pp |
| Annual return | -3.70% | -0.59%-3.1pp | 6.27%-10.0pp | 244.93%-248.6pp |
| Employer contribution / active EE | $1,373 | $1,448-5.2% | $3,268-58.0% | $2,078-33.9% |
| Participant deferral / active EE | $2,931 | $2,171+35.0% | $4,080-28.2% | $3,356-12.7% |
| Admin fee / account holder | $161 | $283-43.1% | $6,913-97.7% | $115+40.0% |