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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $34,501 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 26 · EIN 20-8764829 2005 S. BROADWAY · SANTA MARIA, CA 93454 | Advisory (Participants) | $21,469 |
THE RYDING COMPANY1 year Service code 10 · EIN 95-3497679 | Accounting | $1,179 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,061 | $73,149+10.8% | $120,580-32.8% | $77,762+4.2% |
| Participation rate | 16.9% | 55.2%-38.3pp | 72.0%-55.1pp | 70.6%-53.7pp |
| Annual return | 15.44% | 18.24%-2.8pp | 107.48%-92.0pp | 31.27%-15.8pp |
| Employer contribution / active EE | $591 | $1,793-67.0% | $3,469-83.0% | $2,728-78.3% |
| Participant deferral / active EE | $1,068 | $3,006-64.5% | $4,995-78.6% | $4,651-77.0% |
| Admin fee / account holder | $461 | $660-30.1% | $9,418-95.1% | $433+6.5% |