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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 | $90,064+37.7% | $100,378+23.6% | $77,714+59.6% |
| Participation rate | 94.6% | 81.3%+13.3pp | 81.5%+13.1pp | 70.6%+24.0pp |
| Annual return | 13.73% | 20.61%-6.9pp | 49.41%-35.7pp | 31.26%-17.5pp |
| Employer contribution / active EE | $1,367 | $3,043-55.1% | $3,942-65.3% | $2,727-49.9% |
| Participant deferral / active EE | $9,874 | $8,282+19.2% | $8,087+22.1% | $4,649+112.4% |
| Admin fee / account holder | $428 | $172+148.7% | $7,899-94.6% | $433-1.2% |