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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY SB LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $101,335 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $4,175 |
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $132,384 | $62,686+111.2% | $178,505-25.8% | $77,762+70.2% |
| Participation rate | 97.2% | 66.9%+30.3pp | 77.1%+20.1pp | 70.6%+26.6pp |
| Annual return | 14.74% | 16.16%-1.4pp | 27.16%-12.4pp | 31.27%-16.5pp |
| Employer contribution / active EE | $4,951 | $1,914+158.7% | $3,955+25.2% | $2,728+81.5% |
| Participant deferral / active EE | $15,199 | $4,224+259.8% | $6,280+142.0% | $4,651+226.8% |
| Admin fee / account holder | $234 | $386-39.4% | $10,428-97.8% | $433-46.0% |