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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $44,137 |
Service code 37 · EIN 04-2647786 | Loan Processing | $11,185 |
STRATEGIC ADVISORS, INC.1 year Service code 27 · EIN 04-2654524 | Advisory (Plan) | $5,439 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $50,653 | $79,089-36.0% | $100,392-49.5% | $74,459-32.0% |
| Participation rate | 88.5% | 79.4%+9.1pp | 81.5%+7.0pp | 67.2%+21.3pp |
| Annual return | 12.71% | 20.61%-7.9pp | 49.45%-36.7pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $0 | $3,015-100.0% | $3,941-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $5,976 | $7,747-22.9% | $8,090-26.1% | $4,350+37.4% |
| Admin fee / account holder | $375 | $1,336-71.9% | $7,904-95.3% | $1,945-80.7% |