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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY GLOBAL BANKING OPER Service code 26 · EIN 26-4310632 | Advisory (Participants) | $13,424 |
UBS FINANCIAL SERVICES INC2+ years Filed as: UBS FINANCIAL SERVICES Service code 27 1200 LINCOLN HARBOR BLVD · WEEHAWKEN, NY 07086 | Advisory (Plan) | $3,800 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,200 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $34,945 | $60,165-41.9% | $74,184-52.9% | $55,167-36.7% |
| Participation rate | 48.4% | 74.2%-25.8pp | 76.6%-28.3pp | 69.0%-20.6pp |
| Annual return | 14.09% | 10.00%+4.1pp | 17.74%-3.6pp | 169.23%-155.1pp |
| Employer contribution / active EE | $1,364 | $1,600-14.7% | $2,370-42.4% | $1,963-30.5% |
| Participant deferral / active EE | $2,843 | $2,973-4.4% | $3,550-19.9% | $3,054-6.9% |
| Admin fee / account holder | $192 | $419-54.2% | $5,586-96.6% | $504-61.9% |