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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $32,883 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY INS SERVICES, INC. Service code 49 | Other Services | $1,726 |
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY INS SERVICES INC Service code 49 · EIN 51-0116113 | Other Services | $0 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,124 | $95,406-56.9% | $185,849-77.9% | $85,847-52.1% |
| Participation rate | 63.5% | 68.8%-5.2pp | 81.7%-18.2pp | 69.3%-5.8pp |
| Annual return | 17.25% | 23.59%-6.3pp | 122.10%-104.8pp | 318.61%-301.4pp |
| Employer contribution / active EE | $827 | $3,314-75.0% | $5,169-84.0% | $2,565-67.7% |
| Participant deferral / active EE | $2,452 | $3,424-28.4% | $5,569-56.0% | $3,952-38.0% |
| Admin fee / account holder | $391 | $7,214-94.6% | $16,244-97.6% | $6,261-93.7% |