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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY Service code 28 · EIN 36-3145972 | Investment Management | $78,802 |
CHARLES SCHWAB & CO., INC.5 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $67,658 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $93,406 | $64,612+44.6% | $86,438+8.1% | $64,819+44.1% |
| Participation rate | 98.7% | 81.5%+17.2pp | 80.3%+18.3pp | 71.5%+27.2pp |
| Annual return | -17.34% | 0.66%-18.0pp | 4397.19%-4414.5pp | 32.84%-50.2pp |
| Employer contribution / active EE | $8 | $2,744-99.7% | $3,769-99.8% | $2,507-99.7% |
| Participant deferral / active EE | $8,061 | $7,497+7.5% | $6,952+15.9% | $4,311+87.0% |
| Admin fee / account holder | $358 | $169+111.8% | $6,733-94.7% | $188+90.7% |