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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY7 years Filed as: MORGAN STANLEY Service code 28 · EIN 36-3145972 | Investment Management | $100,812 |
CHARLES SCHWAB & CO., INC.7 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $78,033 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $124,023 | $89,808+38.1% | $100,383+23.5% | $77,671+59.7% |
| Participation rate | 94.6% | 81.2%+13.4pp | 81.5%+13.1pp | 70.6%+24.0pp |
| Annual return | 13.73% | 20.62%-6.9pp | 49.26%-35.5pp | 31.21%-17.5pp |
| Employer contribution / active EE | $1,367 | $3,039-55.0% | $3,944-65.3% | $2,726-49.9% |
| Participant deferral / active EE | $9,874 | $8,284+19.2% | $8,086+22.1% | $4,648+112.4% |
| Admin fee / account holder | $428 | $174+145.4% | $7,900-94.6% | $430-0.6% |