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| Provider | Service type | Compensation |
|---|---|---|
SMART SOURCE LLC1 year Filed as: SMART LOCAL 104 DISTRICT 3401(A) Service code 27 2321 ROSECRANS AVE · EL SEGUNDO, CA 90245 | Advisory (Plan) | $69,515 |
Filed as: MORGAN STANLEY Service code 99 · EIN 20-8764829 1585 BROADWAY · NEW YORK, NY 10036 | Other Fees | $49,427 |
Filed as: EMPOWER ANNUITY IN CO OF AMERICA Service code 64 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $170 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,868 | $241,101-80.6% | $103,374-54.7% | $199,768-76.5% |
| Participation rate | 49.1% | 78.3%-29.1pp | 74.5%-25.4pp | 72.0%-22.9pp |
| Annual return | 11.18% | 17.80%-6.6pp | 24.89%-13.7pp | 34.26%-23.1pp |
| Employer contribution / active EE | $1,879 | $4,244-55.7% | $3,869-51.4% | $3,037-38.1% |
| Participant deferral / active EE | $290 | $3,958-92.7% | $5,058-94.3% | $5,090-94.3% |
| Admin fee / account holder | $337 | $288+17.1% | $8,394-96.0% | $269+25.2% |