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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 28 · EIN 26-4310632 | Investment Management | $67,272 |
CHARLES SCHWAB & CO., INC.3 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $56,688 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.6+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Employer 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $100,666 | $78,781+27.8% | $100,535+0.1% | $73,412+37.1% |
| Participation rate | 97.7% | 80.0%+17.6pp | 79.4%+18.2pp | 72.2%+25.5pp |
| Annual return | 22.23% | 31.69%-9.5pp | 30.90%-8.7pp | 59.30%-37.1pp |
| Employer contribution / active EE | $25 | $2,420-99.0% | $3,419-99.3% | $2,234-98.9% |
| Participant deferral / active EE | $6,903 | $6,537+5.6% | $6,271+10.1% | $3,806+81.4% |
| Admin fee / account holder | $306 | $145+110.3% | $8,085-96.2% | $158+93.6% |