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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $10,181 |
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 26 · EIN 20-8764829 | Advisory (Participants) | $7,911 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,200 | $102,661-70.6% | $151,639-80.1% | $66,938-54.9% |
| Participation rate | 44.5% | 85.5%-41.0pp | 87.5%-43.0pp | 69.8%-25.3pp |
| Annual return | 3.67% | -10.81%+14.5pp | 3.34%+0.3pp | 1.58%+2.1pp |
| Employer contribution / active EE | $1,447 | $4,184-65.4% | $6,165-76.5% | $2,545-43.1% |
| Participant deferral / active EE | $4,939 | $6,645-25.7% | $8,363-40.9% | $4,238+16.5% |
| Admin fee / account holder | $131 | $630-79.2% | $11,613-98.9% | $594-77.9% |