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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY6 years Filed as: MORGAN STANLEY Service code 28 · EIN 36-3145972 | Investment Management | $83,019 |
CHARLES SCHWAB & CO., INC.6 years Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $67,732 |
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 | $111,386 | $89,282+24.8% | $94,664+17.7% | $74,460+49.6% |
| Participation rate | 98.1% | 82.4%+15.7pp | 80.8%+17.3pp | 70.7%+27.4pp |
| Annual return | 20.43% | 25.96%-5.5pp | 156.84%-136.4pp | 34.38%-13.9pp |
| Employer contribution / active EE | $1,327 | $3,022-56.1% | $3,673-63.9% | $2,638-49.7% |
| Participant deferral / active EE | $9,311 | $8,425+10.5% | $7,417+25.5% | $4,530+105.6% |
| Admin fee / account holder | $355 | $219+62.1% | $7,222-95.1% | $348+2.0% |