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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY1+ years Filed as: J P MORGAN SECURITIES LLC Service code 49 · EIN 13-3299429 | Other Services | $25,582 |
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,533 |
PENSION FINANCIAL SERVICES, INC.1+ years Service code 13 · EIN 58-1485803 | Contract Administrator | $775 |
WILSHIRE ASSOCIATES INCORPORATED1+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,648 | $46,732-25.9% | $156,551-77.9% | $55,167-37.2% |
| Participation rate | 60.0% | 65.8%-5.8pp | 84.0%-24.0pp | 69.0%-9.0pp |
| Annual return | 20.25% | 17.72%+2.5pp | 32.23%-12.0pp | 169.23%-149.0pp |
| Employer contribution / active EE | $1,210 | $2,105-42.5% | $5,501-78.0% | $1,963-38.4% |
| Participant deferral / active EE | $4,284 | $2,204+94.3% | $4,871-12.1% | $3,054+40.3% |
| Admin fee / account holder | $41 | $418-90.2% | $13,028-99.7% | $504-91.9% |