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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $400 |
MORGAN STANLEY SMITH BARNEY2+ years Service code 61 · EIN 26-4310632 HARBORSIDE FINANCIAL CTR PLAZA 2 · JERSEY CITY, NJ 07311 | Finders' fees / placement fees | $0 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $90,778 | $75,183+20.7% | $123,894-26.7% | $55,167+64.6% |
| Participation rate | 56.9% | 72.8%-16.0pp | 81.4%-24.5pp | 69.0%-12.1pp |
| Annual return | 9.71% | 19.01%-9.3pp | 47.52%-37.8pp | 169.23%-159.5pp |
| Employer contribution / active EE | $0 | $2,823-100.0% | $4,617-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $8,102 | $5,084+59.3% | $5,984+35.4% | $3,054+165.3% |
| Admin fee / account holder | $4 | $663-99.4% | $8,357-100.0% | $504-99.2% |